“””($100,000.00 being the minimal insurance requirement, if I recall correctly.)
Most people will not accept $100,000.00 in exchange for losing a leg or being paralyzed, but that is the max they are going to get for people carrying minimal insurance.””””
I suggest you consult with a trial lawyer.
Yes, the maximum the insurance company will pay is $100,000.
However, if you, the driver causing the accident, also have $10 million in assets, I can assure you a trial lawyer will be more than happy to file a ‘pain and suffering’ lawsuit against you to remove a whole bunch of money from your deep pockets.
If you have that kind of money, you can buy insurance that provides a lot higher coverage.
If you are poor, you can't.
But that doesn't mean you shouldn't be allowed to use the public roads.