Why Knowing Insurance Policy Limits Matters for Our Injured Clients

By Eugene Bruno on March 31, 2026

After an auto accident, one of the most stressful questions for our injured clients is simple: will my medical treatment and other expenses actually be covered? Not knowing the limits of the at-fault driver’s insurance can leave injured clients worried about whether they’ll be able to pay for ER visits, doctor’s bills, or lost wages.

The San Diego car accident lawyers at Eugene Bruno & Associates seek compensation for people who have been injured by negligent drivers. 

Understanding Insurance Policy Limits in California

In California, insurance policy limits are considered confidential information under the Insurance Information and Privacy Protection Act (Insurance Code §§ 791–791.27). Insurance companies cannot release limits information without the at-fault driver’s consent, which means an injured client has to wait for the driver who caused their injury to agree to disclose whether they have enough insurance coverage to pay for all the damage they caused. That doesn’t seem fair, does it?

From our clients’ perspective, withholding that information doesn’t make the process safer—it just makes it more anxious. Without knowing the available coverage, every co-payment, every treatment decision, and even whether to take a few days off work until you feel better, is more stressful than it needs to be. It’s not fair to have to make these decisions in the dark when all you’re trying to do is simply recover from your injuries.

How Early Disclosure of Policy Limits Helps Injured Clients

When policy limits are disclosed early, it gives the injured person certainty that their medical care will be covered. It allows them to focus on healing instead of worrying about what might happen if bills pile up. It also creates a foundation for reasonable, efficient settlement negotiations.

At Eugene Bruno & Associates, we take this issue seriously. We immediately demand policy limit information for our clients. When possible, we will try to work directly with insurance companies, but we will also reach out to the at-fault driver too. We personally let the at-fault driver know that hiding this information serves no purpose other than to unfairly revictimize our clients, who have a right to know whether they will be reimbursed for medical expenses and time off work.

If a direct appeal to the at-fault driver doesn’t persuade them, we have other resources and strategies to locate the information our clients need and deserve. Our goal is to give our clients the clarity and confidence they need, so they can focus on recovery rather than worrying about whether they’ll get stuck with bills.

For an at-fault driver, letting the injured person know your coverage isn’t doing them a favor, it’s doing the right thing. It shows you care enough about the person you hurt that you won’t revictimize them by holding out on important information. It allows the injured person to move through the claims process safely, fairly, and without added stress.

When at-fault drivers share limited information promptly, our injured clients can focus on getting the care they need without turning the process into a needless battle.

This commitment to transparency and early access to the policy information our clients need and deserve sets Eugene Bruno & Associates apart. We keep our clients informed, supported, and focused on recovery instead of worrying about bills.

Call 1-888-BRUNO-88 (1-888-278-6688) to schedule a free consultation today.