No, but it’s an interesting scenario to think through because I don’t think the insurance status of the other party seems to figure into my planning.

Our cars are fully paid for, and I’m operating under the assumption that it’s possible and for them to lose their whole value and I’d have to get a new car.

Covering remaining damage to myself seems to turn into a health insurance event (I.e. how to cover medical costs) akin to suffering from cancer or another high cost illness.

For both of those it’s expected that I’ll have to tap the piggy bank…

Beyond that, the most dangerous scenario to guard against (if I don’t die) would be something that impairs my ability to continue to be employed, so I do pay for AD&E insurance… I’d hope they would come through, but I’m sure they find their ways to avoid payouts.

Perhaps this matters if I felt like they’d harmed me enough to warrant trying to take them to court. In those cases though, it seems like I’d be handling higher order issues like actually trying to stay alive or recovering enough to get back to work.

>Covering remaining damage to myself seems to turn into a health insurance event (I.e. how to cover medical costs) akin to suffering from cancer or another high cost illness.

>For both of those it’s expected that I’ll have to tap the piggy bank…

But is that just? Why should you have to pay the costs (both medical costs and costs from suffering/loss of income) because of a wrong that someone else inflicted? Even if you bought good insurance and are relatively well protected against such events, what about people who aren't well insured?