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You can sue for whatever the damages are regardless of the amounts of coverage, however, The insurance company is only responsible for the limits of the policy they issued. So you can sue the At Fault party for 200,000 if you like. But the insurance company only has to pay you it's share of what the limits of the policy stated at 100,000. You will need to go after the driver and their family for any additional funds. You can also look to your own underinsured motorist coverage if you purchased the coverage with your policy for further compensation.

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Q: In a car accident can you sue for more then what there insurance is he had 100.000 coverage but that only covers my medicalcan i get more?
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