No one wants to wind up dealing with the consequences of a serious vehicle accident, but there may be a civil claim against you if another party in the accident believes that you were at fault. It is very important for you to gather evidence at the scene of this incident to do everything possible to protect yourself.
You may be wondering; can someone sue you for a car accident if you have insurance. The point of carrying car insurance is not just to meet legal requirements but also to ensure that you have someone to assist with paying for a claim if and when one arises.
Bear in mind that everything about your policy is subject to specific policy limits and the rules inside your policy itself. You'll want to consult with a knowledgeable personal injury attorney as soon as possible. The knowledgeable attorneys at Morgan & Morgan have helped many personal injury victims to prepare cases like this and to move forward with their lives effectively.
Understanding the Basics of Insurance
When you get into a vehicle accident, you need to notify your insurance company as soon as possible. This helps your insurance adjuster gather information that can be used to help move forward with your claim. Bear in mind that your insurance company may not be there to fully represent your interests and to ensure that you receive maximum compensation.
Each adjuster approaches this process differently and not all insurance companies are created equal. This means that you may face challenges when filing a personal injury claim and attempting to recover compensation. Even if you have policy limits and another party involved in an accident pushes up against those policy limits, you need to understand that car insurance is not comprehensive protection against vehicle accidents.
It does not block you from being sued for a car accident. There are many different circumstances that may leave you open to certain kinds of liability, such as if the other party in the accident suffered devastating injuries or if you fail to report the accident. In some cases, insurance coverage may provide you with a lawyer to assist you with your defense. But you'll always want to review the specifics of your individual policy.