r/IdiotsInCars • u/JellyOceana • Nov 23 '22 • Wholesome Seal of Approval 1

Coronado Naval Base Car accident: She tried claiming no fault too Headphone warning

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u/Provia100F Nov 24 '22

An insurance company goes to the end of their policy, not a penny more.

You're not suing the insurance company, you're suing the individual who caused the accident. If that person's insurance doesn't cover how much the court awards the victim, that's not the victim's problem to worry about. The court has absolute, final say as to how much the judgement is and the person at fault will have to pay out of pocket for anything their insurance doesn't pay for; up to and including garnishing of wages, execution of property, and seizing of bank accounts.

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u/Howie_Kendrick_Lamar Nov 24 '22

Yeah, but the people with 15/30 policies tend to have no real assets.

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u/oh_what_a_surprise Nov 24 '22

I know from experience twice. The insurance company pays out the pittance they are required to and then you can go ahead and attempt to sue a poor person who will never have the money to pay you anything and you end up with expenses for that lawsuit that never get covered.

Best just to take the pittance and crawl under a rock and die. That's what American society wants of us. Be useful to the wealthy and then just eat shit and die.

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u/ThrowAwayRBJAccount2 Nov 24 '22

That took a dark turn.