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Old 02-26-2021, 05:32 PM   #9
ghost
Guru
 
City: Anacortes
Join Date: Nov 2012
Posts: 1,189
We had to find out about this recently after my wife was rear ended by a pathetic druggie, car was on fire, vehicle totaled, she was injured and their insurance started by offering $3500 because “it was no big deal and most people don’t know how to evaluate damages”. Over a year later we finally settled on their insurance max as we decided going after the enabling parents was in this case not morally justified, even though they supplied the car after prior known issues. BUT, it took well over a year before we knew the damage liability would be capped. It IS a relevant thing to understand as unfortunately just having insurance is not enough, one also needs to know HOW and WHEN to use that insurance and same for engaging with legal help.
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