How does auto insurance work if you hit an expensive car?

I'm new to car insurance. I get the basic idea of what liability covers, but what if I hit a really expensive car like a Mercedes? Will my insurance cover me?

Answer provided by
Eric Schad
Answered on Apr 23, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“If you hit a Mercedes and damage it, your liability insurance will spring into action. The limits on your policy determine what your insurance will pay out for damages.
You can opt for the state-minimum coverage, but higher limits ($100,000 or more) are recommended. The greater your limits, the more likely your insurance will fully cover you if you hit an expensive vehicle like a Mercedes.
If your limits fall below the cost of damages and injuries after an accident, you’ll have to pay the remaining balance out of pocket.”

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