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If injury costs exceed coverage limits, there may be options

A lot of people don't like paying for car or medical insurance. If they aren't sick or don't have an accident, they reason why pay for insurance. In the best of circumstances, they'll never make a claim and receive benefits. And even if they do, they might hold the view that there's the very likely prospect they'll have to fight to get the insurance company to fulfill its obligations.

Those with experience in dealing regularly with personal injury claims can probably appreciate such an attitude. But they can also appreciate that if a person falls deathly ill or is seriously injured in a motor vehicle accident, having insurance is a good thing. And working with an attorney can make the battle for benefits a bit easier to deal with.

One scenario that is not uncommon is one that parents of a young Dickinson girl appear to be dealing with. A motorist struck the child as she was crossing a street in September 2014. The accident reportedly left her impaired and disfigured. And, of course, there were medical bills.

Last month, the parents filed suit in Galveston County against the driver seeking recovery for their loss. But in addition, they named their own insurance company as a defendant in the case. The basis of the claim is that they suffered damages over and above the minimum level of coverage called for under their policy and they need more help.

Such a claim might not always be valid. It depends on the specifics of a given case. If you are in a situation like the one above and you wonder if you have a legitimate claim, the way to find out is to contact an attorney. To learn more, we invite you to visit our page devoted to pedestrian accidents.

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