I tried googling but can't find a clear answer so I have a few questions;

  1. is the vehicle coverage and personal injury separate ?

  2. is there a mandatory minimum coverage ?

  3. what happens if your claim exceeds that coverage ? both for yourself and the other party ?

for example, I live in the UK and my current policy has a £20m max payout for any one claim

so if someone hit me, caused £3m in medical bills , I'd be covered

but if I was in USA, if the other party only had £100k coverage , what about the other 2.9m ?


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