What Does Insurance Cover if you Total Someone’s Lamborghini?

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One interesting thing about living in Saint Petersburg, Florida is that it is not unusual to see a Bentley, Ferrari, or Lamborghini driving next to you. The other day I was driving next to a convertible Lamborghini Murcielago like the one in the picture. The thought crossed my mind, if my insurance only covers up to $100,000 of damage in any given accident what would happen if I totaled out a $450,000 car? I am guessing I would have to declare bankruptcy? Best to give those cars some extra space. Here is the same model of car with some poor soul asking the same question I had.

P.S. If you don’t hear much from me it is because I am installing hardwood floors for the next couple of days.

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