Q: I was in an accident and they only had $25,000 in coverage.I didn't have any additional coverage.Can I get lost wages
Assuming the other driver was at fault, you can still pursue lost wages against the at fault driver and recover any lost wages from the personal assets of the at fault driver. This is true regardless of the $25,000.00 in liability limits being exhausted to cover medical expenses, general damages, etc., and you not having underinsured motorist coverage.
Of course, the issue often arises that the at fault driver is judgment proof, meaning he/she does not have any assets which you could recover any damages in excess of the $25,000.00 liability limits.
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