> I mean, if Bill's insurance would pay $20,000 then Bill himself would have to come up with the $110,000 right? I think the reasoning is that although he woul

> I mean, if Bill's insurance would pay $20,000 then Bill himself would have to come up with the $110,000 right? I think the reasoning is that although he would be on the hook for the $110K, since Bill was a teenager who worked at Wendy's, he likely didn't have the $110K to pay. Sure he could rightfully sue Bill for the full amount, but he can't get what the kid doesn't have.