| > if your insurance policy does not cover the full amount you can be on the hook. If "your" means the person who got hit, it's not their insurance that's on the hook, it's the insurance of the person who hit them. Yes, that person's insurance will have a limit, after which your own insurance coverage for uninsured or under-insured drivers would kick in. And if that also hits a limit, then you would have to sue the party that hit you for damages to get back anything you had to pay over the limit. > you have to pay the medical bills and get stuck with them if the responsible party is under insured and lacks assets. In this situation also, yes, once you were over the limit of your own uninsured or under-insured driver coverage, you would have to go to court to get the burden put on the responsible party, so that if that party were judgment proof, it would be the medical provider's problem, not yours. > if someone else is responsible for the costs you should be able to simply transfer all subsequent costs to them You can do this, but yes, it does take a lawsuit once you're over whatever limits insurance will cover, as above. |