I don’t think it’s as different as it appears at first glance.
Capped coverage does not mean that’s the max a hurt party is able to get, just the max a particular policy will cover per incident. The hurt party’s insurance generally advances any cost they incur immediately as needed and their insurance company recovers the money from the at fault party.
The caps are an important part of the policy because the policy holder can balance the risk of how likely they will be in an at-fault incident and how much that will end up costing total.
Capped coverage does not mean that’s the max a hurt party is able to get, just the max a particular policy will cover per incident. The hurt party’s insurance generally advances any cost they incur immediately as needed and their insurance company recovers the money from the at fault party.
The caps are an important part of the policy because the policy holder can balance the risk of how likely they will be in an at-fault incident and how much that will end up costing total.