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Started By
Message
re: Tip of the Day: Up your Auto Liability Coverage
Posted on 11/21/25 at 11:00 pm to TheDeathValley
Posted on 11/21/25 at 11:00 pm to TheDeathValley
quote:
You know what happened? They immediately sued for $100k.
In jurisdictions that require a specific prayer, you are almost always going to see that. Just like if you are a passenger in a car that was not found to be at fault the driver will almost always be sued along with the at fault driver, though in some areas cops don't make a fault decision like they used to.
1
Posted on 11/21/25 at 11:02 pm to Obtuse1
Speaking of setting a hard cap on your damages early on, two FTCA claims found their way on to my desk recently 
Posted on 11/21/25 at 11:04 pm to boosiebadazz
quote:
But it’s very clear you are not going to do this:
I'm not doing a damn thing. I'm observing and listening and making soup and filling water bottles. I don't want to be in a position of the person on the other side of this shite.
You are dumb, by the way.
Posted on 11/21/25 at 11:06 pm to deeprig9
Wrong. You would get ZERO. The insurance company would deny your claim and you would get $0.00. Now you get to go against their lawyers all by yourself and have no clue what to do and they will frick you over.
This post was edited on 11/21/25 at 11:07 pm
Posted on 11/21/25 at 11:06 pm to deeprig9
They aren’t going to clean her out. If she only had minimum liability coverage, she doesn’t have anything to give. Can’t squeeze blood from a rock.
Your BIL will get policy limits, whatever his own coverage provides on top of that, and that’s it.
Your BIL will get policy limits, whatever his own coverage provides on top of that, and that’s it.
Posted on 11/21/25 at 11:06 pm to H2O Tiger
Who are you guys using? We are getting absurd rates right now.
Posted on 11/21/25 at 11:08 pm to PUB
I have State Farm now bundled with home. Umbrella with RIL.
Posted on 11/21/25 at 11:09 pm to deeprig9
quote:
You are dumb, by the way.
You are such a fool. He’s giving you great advice and you’re too stupid to know it.
Posted on 11/21/25 at 11:10 pm to Indefatigable
quote:
They aren’t going to clean her out. If she only had minimum liability coverage, she doesn’t have anything to give. Can’t squeeze blood from a rock.
Your BIL will get policy limits, whatever his own coverage provides on top of that, and that’s it.
You seem so sure. So he's going to get her $80k coverage limit, give 40% to the lawyer, and still have another $100k in expenses, and you don't think the lawyer is going after that?
Posted on 11/21/25 at 11:10 pm to deeprig9
quote:
I'm observing and listening and making soup and filling water bottles. I don't want to be in a position of the person on the other side of this shite.
All of this tracks.
quote:
You are dumb, by the way.
Maybe, but at least I don’t have to pay rent to live in your head.
Posted on 11/21/25 at 11:12 pm to deeprig9
quote:
You seem so sure. So he's going to get her $80k coverage limit, give 40% to the lawyer, and still have another $100k in expenses, and you don't think the lawyer is going after that?
This has to be a troll.
Posted on 11/21/25 at 11:13 pm to boosiebadazz
I’m out.
You can lead a horse to water….
You can lead a horse to water….
Posted on 11/21/25 at 11:15 pm to UptownJoeBrown
I think he’s got something for me from the Poli Board but I didn’t expect him to be this transparently dumb and hostile to everyone else 
Posted on 11/21/25 at 11:16 pm to deeprig9
quote:
You seem so sure. So he's going to get her $80k coverage limit, give 40% to the lawyer, and still have another $100k in expenses, and you don't think the lawyer is going after that?
No, I don’t. Why would he?
There is practically no chance of ever recovering a dime of it.
As others have said, you aren’t getting her house or retirement. She’s got two kids so you aren’t getting anything remotely tied to them as far as investments like a 529. And the excess judgment is dischargeable in bankruptcy, where he will be at the bottom of the pile behind her secured debt and (most likely) credit card debt.
Your BIL is fricked and so are you if you’re supporting or providing for him. There is no big check coming.
This post was edited on 11/21/25 at 11:20 pm
Posted on 11/21/25 at 11:25 pm to Indefatigable
I'm not looking to recover a damn thing. Y'all bullshite dogshit lawyers are trying to make this something that it isn't. I'm saying people should up their liability coverage with the auto insurer.
What the frick is wrong with yall?
What the frick is wrong with yall?
Posted on 11/21/25 at 11:29 pm to boosiebadazz
quote:
The nice lady who hit your BIL is on the hook for $500k in damages. Her insurance company contractually obligated itself to pay up to $15k on her behalf. How do you get the $485k from her? Take the judgment. She files bankruptcy, your BIL is a creditor along with whomever else, he gets next to nothing.401(k) is exempt from seizure, so is the homestead for the most part.
What happens if you’re the lady with the 15k min coverage but you actually have 3 mil in liquid assets in this scenario?
Posted on 11/21/25 at 11:31 pm to JohnnyKilroy
You’re paying. Any transfers can be clawed back.
Posted on 11/21/25 at 11:32 pm to boosiebadazz
That’s op’s whole point.
Posted on 11/21/25 at 11:33 pm to JohnnyKilroy
With some “BIL’s lawyer will take her to the cleaners” tough guy ignorant bravado sprinkled in.
Posted on 11/21/25 at 11:34 pm to deeprig9
quote:
I'm saying people should up their liability coverage with the auto insurer.
We know, I guarantee everyone participating in this thread has solid liability limits, an umbrella, and UM/UIM at the max based on their liability limits. Good advice and nobody is arguing that.
quote:
Y'all bullshite dogshit lawyers are trying to make this something that it isn't.
You keep referencing your BIL's potential recovery, so people keep countering with reality. Accept that reality and you can go on about your PSA to have resonable limits on your insurance coverage unabated.
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