I caused some flood damage to the apartment below mine, I did not have my own renters insurance coverage. From what I’ve been told, the tenant renting the apartment below and the land lady who owns it, can claim on their own insurance to repair the damage I caused.
Though after paying out, I’ve also been told that their insurance companies will still hold the other party liable and they sue them to recover what they have paid out. With them being an insurance company, I’m told they will use lawyers who are experts in suing a responsible party (me) not only for the damage caused but also for full court costs and all other expenses which they will recover through a wages garnishment to ensure full payments and all expenses are paid.
To add to that, I was told that the girl renting the apartment and the land lady who owns it will both have deductibles which they will also sue me to recover that money, making all of this extremely expensive payments. Is this correct and they will all be suing me for this?