Quote:
Originally Posted by kannibul
While you can say that someone is personally liable for amounts over the covered amounts, how often is someone in a car accident where $25,000 didn't cover it? Cars are very safe these days, especially if you're an attentive driver.
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If I hit a new Z Touring with another Z Touring, totalling both (highway wrecks can easily get there), that's $80k in liability right there... suddenly that $25k seems a bit paltry to me. If it's a multi-car pile-up that you caused (it
is an accident, so don't claim "I would never do that"), even $5k-$10k in damage per car would quickly add up.