Can I sue someone personally if their insurance doesn't cover my damages?

Yes, you can sue the at-fault driver personally if their insurance doesn't cover your full damages. A personal injury lawsuit allows you to pursue a judgment against the individual, which can then be collected from their personal assets—such as bank accounts, real estate, or wages. However, collecting a judgment can be difficult if the defendant has limited assets. This is why it's important to first exhaust all available insurance coverage, including your own UIM policy, before pursuing a personal lawsuit. Kane Trial Law evaluates all potential sources of recovery to maximize compensation for our clients.