What if Car Insurance Doesn’t Pay Enough?

insurance claim min

As an insurance agent, one of the most common questions you’ll receive from clients is “what if my car insurance doesn’t pay enough on my claim?” This is a valid concern, as no one wants to find themselves in a situation where they’re left with significant expenses after filing a claim. 

First, it’s important to understand that insurance policies typically have coverage limits, which means there is a maximum amount that your insurer will pay out for a claim.  

For instance, all car insurance policies have limits on liability coverage. If you look at your car insurance policy, you’ll see a number like 100/300/100. What this means is if you’re in an accident, it’s your fault, and you cause medical injuries and property damage, your car insurance policy will pay $100k per person (for medical injuries) up to $300k per accident (again, for medical injuries) and $100k for property damage.  

So, if your claim exceeds this limit, you may be left with a portion of the expenses to cover on your own. 


In such a situation, the first step is to review your insurance policy and understand the coverage and limits that you have in place. If you feel that the insurance company has incorrectly denied or undervalued your claim, you should reach out to them to discuss the matter and request a reconsideration. 

Despite popular belief, most insurance companies and claims adjusters will work with you to come to an agreeable conclusion. Don’t be afraid to talk with them and give them justification (backed by facts) that support your reasons why you feel you need more.  

If you’re still not satisfied with the outcome, you can also consider filing a complaint with your state’s insurance department. This department regulates insurance companies and can help to mediate disputes between insurers and policyholders. We talk more about that here.  

Another option is to seek legal advice from an attorney who specializes in insurance law. They can help you understand your legal rights and options, as well as represent you in negotiations with the insurance company or in court, if necessary. 

Ultimately, the best way to avoid being in a situation where your insurance doesn’t pay enough on your claim is to review your policy carefully before purchasing it and make sure you understand the coverage and limits. Additionally, it’s important to keep detailed records of any accidents or incidents that may result in a claim, as this can help you provide accurate information to your insurer and ensure that your claim is processed smoothly. 

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