This is incorrect in some states. Some have limits for medical liability and some have limits for property damage liability. Michigan for example. https://www.

This is incorrect in some states. Some have limits for medical liability and some have limits for property damage liability. Michigan for example. https://www.michigan.gov/documents/autoinsurance/ip206a_679993_7.pdf https://www.michigan.gov/documents/autoinsurance/ip206a_6799... Beyond that, you should insure yourself sufficiently because you can’t depend on others to have adequate coverage. Doesn’t matter that you can sue if they have no money.