The cost of suing, proving damages, and recovering the money is such that it rarely makes sense to try to recover money from individuals. 99.9% of the time, a p

The cost of suing, proving damages, and recovering the money is such that it rarely makes sense to try to recover money from individuals. 99.9% of the time, a policy limit settlement is the most you’ll recover, and that kinda disincentives insurance companies from voluntarily offering higher policy limits. (Also I’d wager that more people have only the legal minimum liability than not, which even in CA is $5k property, $30k injury) Is it cheaper to sue and recover money over there / do people actually expect to recover $1M from individuals? Or is it that governments require insurance companies to offer the higher limits to cover actual damages?