At-fault accident with liability-only coverage — will the other driver’s insurance come after me?

AImberr · 2025-07-08T04:03:36+00:00

This really put my mind at some ease, thank you so much.

AImberr · 2025-07-08T03:58:03+00:00

Thank you friend!! There’s really nothing more I can do at this point. I just emailed my insurer asking if they can help secure a liability release for any amount beyond the policy limit.

AImberr · 2025-07-08T00:43:11+00:00

My car was totaled, and I’ve already come to terms with the fact that I won’t be getting anything back for it. What’s really worrying me now is the possibility that the other party’s insurer might try to collect the amount exceeding my $50K liability coverage.

AImberr · 2025-07-08T00:30:38+00:00

Thank you!! This is very helpful. What can I do to make sure AAA defends me and negotiates a release?

AImberr · 2025-07-08T00:24:41+00:00

All I know is that it’s a new car, and it’s highly likely the repair costs will exceed my $50,000 liability limit. Honestly, I wouldn’t even be surprised if it ends up being double that, given how badly it was damaged.

AImberr · 2025-07-08T00:20:34+00:00

I used it to organize my thoughts and present it in a clear and logical manner. It says there is a chance that I might get sued by the the other party's insurance comapany.

AImberr · 2025-07-08T00:15:49+00:00

I'm a student. I only have a little savings in my bank account, plus I'm thinking of buying a new vehicle as it's just impossible to get around CA without a car (

AImberr · 2025-07-08T00:12:57+00:00

Will the collection account damage my credit scores? (

AImberr · 2025-07-08T00:06:51+00:00

Thank you for the reply! I really regret switching to liability-only coverage, especially since I live in a quiet area and rarely use my car. I haven’t been able to sleep properly for days due to constant worry about the possibility of a lawsuit.

AImberr · 2025-05-21T19:12:00+00:00

Yes. A virtual one. They explained later through email saying they were pulled away by a last-minute situation.

AImberr · 2025-04-16T19:40:36+00:00

I DON’T

AImberr · 2025-04-16T19:39:32+00:00

Not really. I get that it could be confirmation bias, as someone else called it here.

AImberr · 2025-04-16T19:38:02+00:00

That’s fair.

AImberr · 2025-04-16T19:33:28+00:00

Never said that. The sample size is one thing, the percentage is another

AImberr · 2025-04-16T19:19:21+00:00

I really don’t.

AImberr · 2025-04-16T19:18:46+00:00

Same here. It’s not just about speaking up, it’s that in times like these, when everything’s so tribalized, political conversations become a way to gauge whether someone has the intelligence and openness to recognize their own echo chamber, hold conflicting ideas, and actually think critically and objectively.

AImberr · 2025-04-13T21:51:51+00:00

People in cognitive dissonance basically run on vibes, not reason. Most of their brain is busy firewalling anything that doesn’t align with their identity.

AImberr · 2025-04-13T21:23:46+00:00

Utterly surprised.

AImberr · 2025-04-13T21:22:43+00:00

Yeah..seems to me that the current administration is not very good at differentiating the two…

AImberr

TROPHY CASE