Does the Defendant Lack Financial Resources?
In most personal injury claims, the victim files a third-party claim against the defendant’s insurance company. Not all injuries are insurable, however. Additionally, there is always a limit to how much the insurance company is legally obligated to pay on any claim. This limit appears in the insurance contract between the insurance company and the insured party. If your damages exceed the policy limits, you may be entitled to file a lawsuit against the at-fault party for additional compensation.
Your Lawyer Should Know How to Execute the “Deep Pocket Strategy”
In many cases, the theoretical value of the victim’s personal injury claim is large, but the defendant is underinsured or uninsured. Under these circumstances, a good personal injury lawyer will be looking for other defendants who can afford to pay your claim. Some possible examples include:
- The employer of an on-duty pizza delivery driver who causes an accident while on the way to make a delivery. You can hold the employer vicariously liable as long as the delivery driver is an employee and not an independent contractor.
- Manufacturers and other dealers of dangerous products. Under the right circumstances, you can sue anyone in the chain of distribution.
- A social host who supplies alcohol to a minor who then injures someone due to their resulting intoxication.
Skilled personal injury lawyers know many other ways to claim damages against additional defendants so that you can receive full compensation.