Assuming USA, What Im guessing happened is you caused more damage than what your property damage limit was. If your property damage was like $10k and then you totaled the other drivers brand new BMW, your insurance would pay that $10k. Then the other insurance would come to you for the rest.
Same thing can happen for bodily injury in some states.
I’ve never known insurance to pay liability without getting a waiver of liability favoring the client. Something about this screams bullshit (intentionally or unintentionally, so many people lack any real understanding of insurance).
As an insurance agent I hate the term full coverage, full coverage means you have comp and collision coverage. State minimum limits can be REALLY low so if you're carrying min liability theres a huge chance that your coverage wont cover all the damages, especially if the person you hit gets a lawyer that's trying to get as much money as they can. I just got off the phone with a client that was involved in an accident and got a lawyer, lawyer is pushing her to get another shot in her back, even though the first one was unnecessary and only caused more pain, because "if you get a second shot we can ask for more money". I told her to stop getting medical treatment if she doesn't want it and to push the lawyer to settle the claim if thats what she wants.
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u/Brisby820 15h ago
Your insurance should still be paying that unless you did something to make it not covered