It depends on how you got your insurance. There's a law limiting liability with employer-provided stuff to the amount in question. It wasn't that bad a law as

It depends on how you got your insurance. There's a law limiting liability with employer-provided stuff to the amount in question. It wasn't that bad a law as originally intended: retirement accounts. But it also limits liability with insurance. Liability is capped at the amount of the denied claim--which means that in most cases it would cost more than the recovery. I'm not sure what the legal situation is when there's no employer involved and you have an exchange plan.