Yes, someone can sue you after a car accident even if you have an insurance policy. Fortunately, insurance protects you in this event. Auto insurance comes with liability coverage that pays for any legal expenses that may arise from a collision.
There are several ways authorities determine fault after a collision. For starters, they interview all parties involved. In some cases, a driver admits to causing the accident, which makes the case straightforward.
Authorities look at evidence from the crash scene, such as the location of the cars and where the damage is located. Police may also secure video footage from nearby cameras to see the accident in real-time.
However, there are several no-fault states. This means drivers have insurance that covers their own injuries and damages. They don't need to pay out to cover the costs for someone else. No-fault states include:
Your insurance covers the cost of going to court if you end up getting sued. Your policy pays for a lawyer to defend you in court.
If you're found guilty, your insurance policy also covers part or all of what you need to pay the other party. But there are exceptions where insurance may not cover everything.
Certain exceptions exist where you may need to pay out-of-pocket for legal expenses. They include:
It's scary to hear you're being sued. Here are some steps to take to help take the burden off your shoulders.
Once you know you're going to court, notify your insurance company. Your agency has your back and provides you with the resources you need to navigate this time.
The other party sends a summons to notify you of the lawsuit and when you need to appear in court. You have a set amount of time to respond to this. You also want to send your insurance company a copy of the summons and any other paperwork you receive regarding the lawsuit.
Your insurance company may provide you with legal representation. However, you may feel more comfortable opting for a lawyer you've used in the past. Many attorneys offer free consultations, so you can get free legal advice about how to proceed and what to say.
When it comes to car insurance, there are several factors to consider beyond monthly cost. A policy that covers you when you need it, has a low deductible, and offers several discounts can be hard to find - which is why we've done the work for you.