Insurance - smooth limits

I'm not sure what you mean by "bow out". The $100, 000 does **NOT**
include legel defense. They are responsible to reach a settlement. They
will not settle for more than the amount of your coverage, however if
you go to the end of trial and are awarded more than the $100,00 you
would be stuck with the difference.

-Robert

Maybe I'm wrong.

If you have 100K ins, they might pay the $100K happily and not defend U
at all,
since it could cost more than $100K to fight the case. You could
easily be
on the hook for anything $100k without any help.

If you have $1m ins, they will be interested in your case... they
wouldn't just
write a check for the $1m. Would be worth defending. They might reach
a settlement that would end the deal.

Seems like having them have LOTS of skin in the game is what you are
paying for. Bill

wrote:
Maybe I'm wrong.

If you have 100K ins, they might pay the $100K happily and not defend U
at all,

Only if the other passenger settles. Remember we are only talking about
passengers since the full million is available for people on the ground.