Policy limits demands are appropriate when:
• Injuries clearly exceed coverage
• Liability is undisputed
• Permanent injuries or death
• High medical expenses
• Strong punitive damages case
We structure demands to pressure insurers to tender limits quickly.
When to Demand Policy Limits
Beyond Policy Limits
When limits aren't enough:
• Pursue driver's personal assets
• File dram shop claims
• Investigate employer liability
• Stack UM/UIM coverage
• Bad faith claims against insurer
• Pursue driver's personal assets
• File dram shop claims
• Investigate employer liability
• Stack UM/UIM coverage
• Bad faith claims against insurer
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