Quote:
Originally Posted by twitchyzero
i search (not sure if outdated) shows property dmg is capped at 20k, and i remember reading injuries has a new cap but can't find it, is that per claim or per person?
i assume everything over those will be pursued privately?
TPL not only covers the mishap you cause on other parties but also your passengers?
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There's only a new cap on MINOR injuries, at $5500 per person involved (to my understanding). Anything that doesn't fall under minor, there's no cap.
There's no cap to property damage, but it all falls under liability insurance. I mean if you drive into a power pole, you're paying to repair that. Knocked out power to a factory because you drove into a pole, resulting in loss of work? You're on the hook for that as well.
From what I read, they pursue anything out of insurance through wage garnishes, etc.
TPL covers everybody involved in the accident other than you, including your own passengers.