Some states allow for really awful insurance programs.
Florida allows minimum coverage as low as $10k in liability. They also like collecting fees and are very lax in enforcement for passenger cars for plates, etc. Thats why you’ll see hooptie mobiles with Florida plates all over the place.
If someone doesn't have high coverage you can sue them directly. The reason most people have a million in coverage as the when it is that high it is really hard to convince the courts your damages are more that. Plus if they actually are your liability is so much that you will never be able to pay up. Lawyers will always ask for the maximum liability even if they actual costs you should owe is more than that because insurance can pay, but you cannot anyway so it isn't worth. However if their liability coverage is only $10k it is worth sueing them for a million - insurance will pay $10k, they will then have to figure out how to get the rest - which basically means it ruins their life.
This is why you need to have enough insurance. If you make a mistake (odds are you will), you want enough money such that you can pay off whoever you wronged without it killing the rest of your life.
Florida allows minimum coverage as low as $10k in liability. They also like collecting fees and are very lax in enforcement for passenger cars for plates, etc. Thats why you’ll see hooptie mobiles with Florida plates all over the place.