This type of coverage is liability only, meaning it will only cover the damages of the other involved parties if you are the at fault person in an auto accident. (carinsurancequote.net)
Then, various states put limits on the amount of fault a person could bear and still recover some damages. (davidchristensenlaw.com)
I was involved in an accident and the at fault persons insurance company refuses to settle. (auto-insurance-claim-advice.com)