no thats not true, you have to talk to them, if your damage is over there amount, then more then likely the company will try to get out of it, with a lot of lies. so they will cover it no matter how high it is, they actually have to.
This is why all states have limits for coverage. In California, the limits are 15/30/5. That's 15k per person, 30k per accident, 5k for property damage. Believe it or not, MANY people carry this. You hit a 95 Civic and total it with that coverage, everyone is already SOL. That's why there are SO many lawsuits.
And yes, 90% of people on these boards and everywhere else are underinsured, especially for property damage.
I'm just a crosshair I'm just a shot away from you
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