Auto Insurance Claims: What kinda law is this?, state insurance commissioners, insurance limits

Question
Because I did not have collision on my insurance, I am responsible for all the headaches.
According to the insurance adjuster of the Insurance company Im filing a claim against, there was a law passed stating rental company claims only has a liability coverage limit of $5000 and the difference will have to be sought after in small claims with the renter. That $5000 is to be divided amongst the 2 cars that the driver hit ( Front and me ).   Does this sound legal? Will an insurance company make stuff up?

Answer
Hi Don,

It is possible that this is true. Some states have very low liability insurance limits and those limits are to be pro-rated between all damages.

The verify this is correct in your state you should contact your state insurance commissioners office.

I hope this helps
Richard Hixenbaugh