Need advice about a car accident in florida?

Question

I rear ended a car on a wet road and that car hit the car in front. My insurance says that it over my limit now what happens do they sue me I have nothing

Answer 1

My auto insurance company told me if I cause an accident that caused financial monies over my limit they would let me get sued - they'll not touch the claim.

Answer 2

Yes they can sue you

Answer 3

If these two parties are filing direct property damage claims against your Property Damage coverage, they pay pursue you personally for the difference.  

However, if they have Collision of their own, their insurance company will pay them in full and seek recovery against your insurance company.  As posted, they will be paid on a proportionate basis.  

Hopefully, they are not claiming injuries.  You probably have inadequate BI limits too, 10/20/10 is not enough.  Now you know.

Answer 4

Try to use google to find some related links or you could try to use answer engines like yahoo answer or answer.com to find some relevant questions.If you like some direct resource,here is a good one from my own experience.http://carinsurance.expertsupport.info/a...

Answer 5

In theory, yes.  If your property damages limits are too low to cover all the damage you caused to other vehicles the other parties have every right to sue you personally for damages.

In reality-  most people dont do it.  As a Florida claims adjuster generally if we have "PD excess" issue meaning a situation like yours we just give the other parties what we can up to your policy limits and have them sign something saying they wont go after you personally.  Most people will just accept this because they dont feel like battling the at fault party in court especially when they know they probably have nothing.

Just expect the worse and hope for the best. Again in theory they have every right to go against you for all their damages.  Worse case scenario they could garnish your wages etc... but in reality.. 99% of the time it doesnt happen.

Answer 6

No they will not sue you.

They will divide the available funds between the two parties that are owed. They will be determined via pro rata.

Both parties will have to sign a release before they can collect the money from your company. The release will state basically that they will not sue you or your company and try to get more money.