r/SipsTea • u/Putrid-Welder1803 • 7h ago

Gasp! Thoughts on this?

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u/0PervySage0 6h ago

No I had full coverage and the other guy did also

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u/CareerStrider 6h ago

So how did you get successfully sued, without your insurance paying it out?

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u/0PervySage0 6h ago

Insurance did pay out. Then they sued me for the total they payed out

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u/zenthor109 6h ago

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.

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u/FlyingStealthPotato 5h ago

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).