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It is often important for car wreck victims to know how much insurance the other driver has (we call this “the limits” of insurance). For example, if the victim has a significant amount of medical expenses, knowing the other driver’s limits can help you decide when to try and settle the case. If the medical expenses the limits then there is no reason to wait to settle.
Similarly, if an injured driver has underinsured motorist coverage, knowing the opposing driver’s limits helps the victim know whether the victim needs to put the victim’s underinsured motorist carrier on notice of a claim.
Unfortunately, the other driver’s insurance company isn’t required to tell you the limits unless a lawsuit has been filed. Some companies will allow their adjusters to disclose the limits of the policy, but many won’t.
As a result,