please wear your safety belt.

[LetItBe]

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They sue you personally, but the insurance company has to pay your damages up to the policy maximum. The insurance company would negotiate a settlement (or, if necessary, go to court) on your behalf, b/c they're the ones on the hook.

If you're concerned, you might want to check and make sure that you have a policy liability maximum that you're comfortable with.

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Overall this is right, but checking his BI limits at this point won't matter. It's what coverage was in place at the time of the accident, so if he switched now it won't matter for this one.

Make sure you follow the provisions in your insurance policy. You don't want to lose coverage because you failed to follow the policy requirements.

If you have questions let me know, I sue insurance companies for a living.