[vkou]

If you hit and seriously injure someone, that $35 insurance will not cover the multi-million dollar medical and legal and recompense bills.

This can be a working strategy if you don't have a dollar to your name (whomever you hit won't be able to squeeze blood out of a stone), and never intend to have a dollar to your name, but is generally ill-advised for someone in the middle-class, who has money and assets to lose.

[User23]

No lawyer is even going to bother to sue a judgment proof person like that. They're going to be happy to settle for whatever insurance offers.

[piperswe]

Just about no auto insurance in the US will cover multi-million dollar bills - I know my insurance company maxes out at a $500k limit.

[nsvd]

I also have the cheapest limited liability insurance money will buy. It's a cost-benefit gamble I'm willing to take.