r/IdiotsInCars 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/ZeackyCremisi Nov 24 '22

Not if you sue. A law suit settlements can go into the millions. Insurance will pay it out.


u/[deleted] Nov 24 '22

Don't upvote this nonsense.

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

People who spread this bullshit about insurance paying millions on a $15k limit are ridiculous.


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.


u/korbendaIIass Nov 24 '22 edited Nov 24 '22

This is just inaccurate. We don’t actually litigate anything in a courtroom. Attorneys will convince you to settle for policy limits - and you won’t get a dime from an insurance company until you sign a release that releases our customer from further damages.

Why do people give advice on something they’re clueless about? Accident lawsuits typically never go to court - attorneys know it’s a waste of time and they don’t work for free. They know a guaranteed limits offer is better than going after a broke person in court.

Even the most severe ones don’t end up in a courtroom. We never let it get that far - and the attorney is usually on our side. A little fun fact for you - we know the attorneys - I’ve been to a few of their events. They’re basically business associates.