Because they don’t have to until you file a lawsuit.
Insurance companies don’t have to tell you what their limits are until you file suit. As a general rule, I have a lot of trouble getting them to do this.
Sometimes, it’s not that important. If my client had one trip to the emergency room, with a total of $1,000 in bills, the case is probably not going to settle for over the policy limits, whatever they are. (Policy limits start at $12,500 in Ohio.)
In other cases, though, you need the information. If you have underinsured motorist coverage, you need to know the other driver’s limits so you can put your own insurance company on notice.
Sometimes, I can get the truck insurance company to tell me their limits by telling them that I have to know whether I need to contact the underinsured motorist insurer. Or by telling them that my client has a lot of medical bills, and needs to know whether there is enough auto insurance to cover the damages.
I have been a lawyer over 30 years. Generally, lawyers are better at dealing with insurance companies than accident victims are. If you’ve been in an accident with a truck, give me, a Cincinnati injury lawyer, a call. My phone is 513-621-4775.
Because all situations are different, and because there may be other facts pertaining to your case that I don’t know about, you should not rely on this answer for legal advice. I am not your attorney, and no lawyer client relationship has been formed. All discussions are limited to Ohio law unless otherwise indicated. And past performance cannot be used to predict future results.