mom2angelsx3 t1_iydnjig wrote on November 30, 2022 at 5:00 PM

Maybe there was only state minimum property damage liability which is $5k of the $54k in damages if dana fee were going to be covered? So owner of the vehicle would still be liable for $49k of the $54k even if insurance would pay out.

Coronator t1_iye1t5h wrote on November 30, 2022 at 6:31 PM

I’d say this is exactly what happened - the argument of whether or not insurance is covering this person or not is a red herring. It sounds like the family reduced coverage to mandatory minimums, and there is not enough property liability to cover the damages.