Insurance policy limits create practical ceilings on recovery regardless of actual damages or case strength in most situations. Minimum liability coverage often falls far short of serious injury damages, limiting practical recovery despite clear liability. Underinsured motorist coverage provides additional recovery sources when at-fault parties carry insufficient insurance for your damages. Commercial defendants typically carry higher limits than individual drivers, improving full recovery chances in business-related accidents. Umbrella policies can provide millions in additional coverage beyond primary limits for severe injury cases. Multiple insurance policies might apply through different defendants, vehicle owners, or premises liability coverage expanding recovery potential. Your attorney should investigate all possible coverage sources including employer liability or homeowner’s policies in appropriate cases. Cases exceeding policy limits require evaluating defendant assets and collection feasibility before pursuing excess judgments that might prove worthless.