What might be a potential implication of having limited liability coverage like Kelly?

Having limited liability coverage, as in the case of Kelly, implies that if claims arise from an incident and exceed the limits of that coverage, the individual will be responsible for paying the excess amount out of pocket. This exposes them to significantly greater financial risk, particularly in circumstances where insurance is inadequate to cover the damages or injuries sustained.

In contrast to higher coverage limits, where the insurer would cover a larger portion of a claim, limited liability means that an individual's financial security is directly affected, and they may face substantial costs in the event of a serious incident. Consequently, individuals with limited liability coverage should be made aware of the need for additional financial resources or higher coverage plans to safeguard against potential liabilities that can escalate beyond their coverage limits.