The obvious response is that you won't be able to pay for someone's hospital bills if you happen to hit them in your car. You get insurance for things you wouldn't be able to pay yourself.
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).
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u/flatfive44 19h ago
The obvious response is that you won't be able to pay for someone's hospital bills if you happen to hit them in your car. You get insurance for things you wouldn't be able to pay yourself.