re: Car Insurance question

I've worked in and around the business for many years. Just some food for thought, never once have I seen a plaintiff attorney go after someone individually once their policy limits have been paid out. Never. It's too much work for no guaranty of money.

They go after the primary liability portion of your policy. Then, they tap into the U/M of the claimant. Once those are depleted, they're done. Every time.

Now, can they legally come after you personally? Yes. But I've never seen it happen. Not once.