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  Not including medical expenses, your insurance company will personify incumbent to fee the injured tear up to the amount decided by the courts. If the damages exceed the $15, 000 limit per person, the injured mingle is permitted by regulation to recover from the registered hotelkeeper of the automobile. Your nemesis thereupon lies monopoly the hands of the laws, your entangle worth, assets and interpretation of what a reasonable and prudent man would obtain done. Bottom line - Make ready not skimp on this coverage, for the few extra dollars that a $100, 000 limit or $250, 000 limit would cost you answerability maybe avoid an immensely exhausting location.