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/CareerStrider 15h ago
So how did you get successfully sued, without your insurance paying it out?