What do you do when the driver who causes a car accident only has $20,000 in coverage?
This sadly happens all the time. Remember, most people who are insured (and in some cities like Detroit approximately 50% of drivers have no auto insurance at all) only have the minimum bodily injury policy limits of $20,000 if they cause a motor vehicle accident. That means that if these people have no collectible assets, that’s usually all that an attorney can recover for an auto accident victim.
Sure, a lawyer can still file a lawsuit and get a big judgment for someone. But the costs to prove this then come out of the accident victim’s total recovery.