If I have bodily injury insurance in Florida, can I be sued for more than my limits?

While most car accident cases are resolved within the culpable person's insurance limits, the injured plaintiff is entitled to pursue the full amount of their damages from the person who caused the accident. Often, depending upon the severity of the injuries involved, an injured party's attorney will require a financial contribution from the owner/operator of the vehicle which caused the collision. If you are concerned about having such excess exposure, it is advisable that you contact an attorney to represent your interests to insure that the insurance company acts as it should.

Yes, they can obtain a judgment against you for more than your policy limits. If you get sued, you might want to spend a few hundred dollars and hire a lawyer to represent you personally, in addition to the lawyer your insurance company provides for you. That's called "personal counsel" and that lawyer will make sure that your individual rights are being protected so that if the plaintiff does get a judgment against you for more than the policy limits, your insurance company can be made to pay for it all. I would, at the very least, request of your insurance company (in writing) that they provide you with copies of all letters that go back and forth between your insurance company's adjuster and the attorney representing the injured person.

Yes, you can. Monitor it & demand your insurance company keep you up to date.