How can I find out how much insurance coverage the at-fault party has?

Many people involved in automobile accidents believe that all the bills, expenses, loss of income, and pain and suffering will be reimbursed to them at the time of settlement.  However, insurance policies do not have an unlimited amount of coverage.  Anyone who purchases an automobile insurance policy will have a maximum amount of coverage which their insurance company can pay out for a claim.

In Maryland you must request the policy limits in writing, providing the date of accident, the accident location, the name and last known address for the at fault driver, and the complaint number for the police report (if there was one).

In Virginia, there is more documentation involved. In addition to the written request referencing the same information in the Maryland correspondence, you must also submit medical bills and/or lost wage documentation totaling at least $12,500.

What can you expect as a response? A personal automobile insurance policy in Maryland typically is written in the following intervals: $30,000/$60,000, $50,000/$100,000, $100,000/$300,000, $250,000/$500,000, and $300,000/$300,000.

The Virginia coverage intervals are similar, except while Maryland’s minimum is $30,000/$60,000, Virginia’s minimum is $25,000/$50,000.

Commercial policies may carry a higher amount of insurance coverage.