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What happens if you get sued for more than your policy limit?
What happens if you get sued for more than your policy limit?
Your insurance is likely going to hire an attorney if you are being sued for something related to your insurance like a dog bite or an automobile crash. The attorney will deal with most everything. However, you may get a letter from the insurance that there has been a court filing above what your liability coverage is in your policy.
While it is likely that the case will settle within the policy limits, but that is not a guaranteed outcome. When a lawsuit is filed that exceeds your policy limits, you do need to be informed. If the ultimate judgement is over the policy limits, you would then have personal liability.
There is a reason that many renter’s insurance policies are so cheap. They do not always have good coverage.
Make sure you double check your insurance coverage and make sure you have the correct limits. Also, consider umbrella coverage. It will be cheaper than you think it is.
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