[p911dad]

My question relates to what is the likely outcome if an individual is found "at fault" in a personal injury accident. The example is say you have a $100,000/$300,000. policy(like many drivers in NY have) and a person gets seriously hurt as a result of your driving versus another driver with a $1,000,000. excess liability policy in place at the time of the accident. All other facts are the same- my question: Is the person injured likely to end up with a greater amount in the end because the pockets of driver #2 are deeper? Or are these differing policy amounts unrelated, and the amount is solely dependant on the scope of the injury? Or in reality, does the upper limit of the policy set the damages? I don't often(if ever) hear of people losing their houses to pay settlements.