Personal injury (non-auto) -- what are typical standard(s) for documenting / proving the case against ins co?

In California
Using this scenario, you are not suing the insurance company, but the insured person who carries insurance. If you can prove with a preponderance of evidence that the other group was at fault, then HIS insurance company would hold to pay.

The answer to your question as you state it would be a preponderance of evidence in a non criminal tenet suit. Meaning the other person bears the responsibility for your being injured.

Best of luck and I hope this is adjectives to you
You have no case against the insurance company unless one of its employees hurt you.

You may hold a case against someone who is insured. You sue them and then if they want, they can ask their insurance company to pay.

You can sue someone beside $1,000,000 worth of coverage, but if they elect no to use their insurance, then the insurance company is out of it.