Halyna Hutchins‘ family is almost certainly gearing up for a wrongful death lawsuit — in the wake of her death on the set of the movie “Rust” — and TMZ has learned the insurance policy that covered the production is limited to $6 million.

We obtained the certificate of insurance written by Front Row Insurance Brokers. General liability coverage is limited to $1 million per occurrence. There is also a commercial umbrella policy — which is a supplement to the general liability coverage — for an additional $5 million.

The production company filed a permit for the film, and the paperwork shows a $1 million policy, but that appears to be the minimum required for shooting in New Mexico. The production company obtained the umbrella, which is quite typical but not referenced in the permit.

It sounds like a lot of money, but it could be woefully inadequate. 42-year-old Hutchins was a rising star with decades of earnings ahead of her. She was also a mother and a wife, which allows her son and husband to collect for loss of affection. And remember, director Joel Souza was also shot and wounded, and he would have a personal injury claim. The total the insurance company would pay for both Hutchins and Souza is limited to $6 mil.

There’s a wild card here … punitive damages. In New Mexico, if there’s proof of recklessness or wanton misconduct, a jury could award punitive damages, and that could send any judgment into the stratosphere.

It seems obvious there was serious negligence on the set, to say the least. A real gun was used, something gun experts on movie sets say is a clear violation. The gun fired off a fatal live round of ammunition, and live rounds should never be on a movie set. And, the area in the line of fire should have been cleared of people, which it was not.

And, there’s more. The gun in question clearly was not adequately inspected before it was handed over to Alec Baldwin. And, as we reported several days ago, some members of the crew were using that gun for target practice — with real bullets. And, someone may have been doing just that hours before the shooting on the set.

There’s another issue … Front Row would not discuss the terms of the policy with us, but typically there are numerous requirements insurance companies impose and violations of those requirements could allow the company to deny coverage. For instance, given this was a policy to cover a western with various gun scenes, there may be an exclusion if there was live ammo on the set.

Megan Thee Stallion‘s entourage might need to learn the rules of the road track when it comes to media etiquette at a Formula 1 event — at least according to this driver-turned-reporter.

Check out this interaction between Sky News’ Martin Brundle (an ex-racer himself) and Meg, whom he bum-rushed while she and her posse were striking their way across the grid at the U.S. Grand Prix Sunday … where all the cars and pit crews were hanging out on the ground-level, and where camera crews were rolling … with journos on the hunt for interviews.

In the middle of their live coverage — which was getting broadcast on ESPN — Brundle noticed MTS making her way through the commotion, and tried getting an impromptu one-on-one chat with her … which he sorta successfully did, if only for a short while.

He asks her if she has any “rap for us today on Formula One” … and she laughs, saying no — she didn’t have anything for him. Brundle pressed further, asking who she was rooting for.

Before Megan even got a chance to respond, some dude in her crew swooped in from behind and pushed Brundle back … apparently telling him he “couldn’t do that.”

Well, old Martin had a helluva comeback to that … saying that not only can he do that, but he just did. OHHHHHHH!!!! The irritated look-back from the blond assistant is classic too. 😆

There are different reactions to this … some say MB shouldn’t have gotten in her space like that. However, others say she (and her team) shoulda known it’s fair game in the F1 world … especially from Martin, who’s a vet in the biz and well-known figure — not a random pap.

The gun handed to Alec Baldwin before the fatal shooting on the “Rust” movie set was loaded with a live round … according to a warrant from the ongoing police investigation.

The warrant says an assistant director handed the gun to Alec and told the actor it was safe to use before the deadly incident … according to the warrant obtained by the Associated Press.

The warrant says the assistant director didn’t know the gun was loaded, but it doesn’t mention who actually loaded the gun … which may become the central issue.

Alec’s blood-stained costume from the movie has been taken as evidence, as well as the gun that went off, plus other prop guns and ammo being used on set, according to the warrant.

The warrant says Halyna Hutchins was shot in the chest and Joel Souza was wounded as he was standing behind her.

A source working on the movie tells us gun safety has been a consistent issue on set, and just last weekend blank rounds were shot when they weren’t supposed to go off.

As we reported … Alec pulled the trigger on the gun and the accident resulted in the death of 42-year-old cinematographer Hutchins. She was struck and airlifted to a hospital, where she died. Director Souza was also hit, but has reportedly been released from the hospital.

Tawny Kitaen, the late actress who starred in “Bachelor Party” and whose personal life was filled with radical ups and downs, died from heart issues … this according to her autopsy.

According to the Orange County Coroner’s Office, Tawny’s official cause of death is dilated cardiomyopathy … the most common type of heart disease.

Other contributing factors include clogged arteries, antidepressants, sedatives, Tylenol, nerve pain medication and opioids.

TMZ broke the story … Tawny died May 7 in Newport Beach, CA and cops told her family there was nothing found at the scene suggesting alcohol, drugs or pills were a factor in her death, nor were there any signs she took her own life.

Tawny’s death came not long after her father passed, and her brother told us their father’s loss was simply too much for her to handle.

Her family and close friends recently gathered to remember her one last time with an intimate celebration of life in Newport … and she’s been cremated.

Tawny lived a pretty storied life — she acted in films like the one mentioned above, and has credits in flicks like “The Perils of Gwendoline” and “After Midnight” — as well as several hit TV series, such as “Santa Barbara,” “The New WKRP in Cincinnati,” “Eek! the Cat,” “Hercules,” “Moms Anonymous,” and many, many more over the years.

And, Tawny famously was featured in some music videos … notably Whitesnake’s “Is This Love,” and “Here I Go Again.”

Megan Thee Stallion and her BF are celebrating one year together by looking back, and it’s clear her guy is enjoying the rearview … a lot!!!

MTS just dropped a photo dump on her Instagram to mark her one-year anniversary with rapper Pardi Fontaine — 10 glorious shots of them grabbing ass and having a blast.

In the first pic, Megan’s holding a cocktail with her butt, and Pardi is taking a big ole sip … yes, they look like one fun couple.

There’s also pics of Megan hugging a shirtless Pardi below the waist, a mirror selfie with his hands all over her butt and a snorkeling photo where he’s posing like he’s about to take a big ole bite of her … um, peach.

It’s not all hot shots … Megan also posted some wholesome content of them dressed to the nines, taking selfies in cars and there’s even a piggyback ride outside a private jet.

Vanessa Bryant will submit to a physician-ran test on her mental state see if she’s actually tormented over the Kobe crash site photos being shared … that is, if L.A. County get its way.

The late Lakers star’s widow is being asked to undergo a psychiatric evaluation — by force via a judge’s ruling if need be — by County attorneys who want her (and others) suing them to prove she’s going through the emotional anguish and distress she claims in her lawsuit.

According to court docs, obtained by USA Today, the County’s rationale here is … Vanessa and co. say they’ve suffered severe emotional distress as a result of the crash site photos allegedly being spread around among L.A. County Sheriff’s deputies, firefighters and others.

But … how do we know their ongoing agony isn’t simply because of the the crash/deaths of their loved ones, as opposed to the photos being disseminated among a relatively small group of people??? That’s the County’s position — and they wanna get to the bottom of it.

The County’s legal filing reportedly reads, “Despite putting their mental condition front and center in this case, Plaintiffs refuse to submit to independent medical examinations (IMEs).”

They add … “The County brings this motion to compel IMEs of the Plaintiffs, which are necessary to evaluate the existence, extent and nature of Plaintiffs’ alleged emotional injuries. Plaintiffs cannot claim that they are suffering from ongoing depression, anxiety and severe emotional distress and then balk at having to support their claims.”

Vanessa’s legal team fired back, saying this was nothing more than a “scorched earth” approach, and a slimy one at that … where the County is overreaching in their discovery process and going to extreme ends to defend what her attorney calls indefensible conduct.

L.A. County notes … the photos (which apparently showed off the remains of some of the bodies that day) were allegedly only shared among other County employees, and a bartender — saying they were never publicly disseminated.