Q: What if someone hit 3 parked cars with liability insurance and it only covers $5k. How does that get divided?
The lady's insurance company is saying they only cover up to $5000. I just want to know how that works with multiple cars being hit.
A: The proceeds of insurance get prorated among all the people with claims, based on the amounts of the damages to each car. In all likelihood, there would not be enough funds for you to fully cover your claim, and you would then have to resort to your own collision coverage, if available.
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