Originally Posted by Ohiogirl

States, municipalities, etc. have "sovereign rights." If they (at their fault) damage your insured motor vehicle, they only have to cover your out-of-pocket costs (e.g., your deductible if you have collision coverage, and/or a rental car if you don't have rental reimbursement, and your accepted injury/out of work costs that are above and beyond your med pay or pip coverage.