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@urbi123 Your confusing coverage here. Limit for property damage is $25k, that’s it, no more. You’ve said there’s no coverage for BI in another post, so if that’s true, hiring an attorney isn’t going to magically produce BI on the at fault policy. I think you need to get whatever offer you...

@lene22 The plaintiffs attorney would go after any umbrella coverage and after that or if there’s no umbrella they could pursue the tortfeasor in a civil suit where they could try to lien any personal assets and or garnish wages.

@resjudicata Let your insurance company have that conversation with them! You don't need the hassle of negotiating with the city, the claimant, the contractor and everyone else that will be involved in this! If there's a city ordinance that prohibits this, the adjuster will take care of it.