Can Someone Sue You for a Car Accident if You Have Insurance?Posted by Robert Buford | Car Accident | No Comments
So, you just got into a car crash, and you were liable for it. What is the way forward? Most car accidents are resolved through a car insurance claim, but it all depends on whether you agree with the other party right away. Can someone sue you for a car accident if you have insurance? If this is your main concern, the answer is yes, and that is why you need the assistance of a reliable Austin personal injury attorney to take you through the lawsuit.
A lot comes into play when dealing with a car accident. The aspects are whether anyone got injured or any property was damaged. The affected party can go after you with injuries or car damages caused by the crash, but if you have insurance, there is little to worry about. Your liability coverage will take care of the entire process, including compensation and paying a lawyer to defend you.
Can Insurance Protect You From Court?
Yes, having car insurance can protect you from being sued or going to court, but some cases are different. The coverage helps in catering to all legal expenses, and there are some exceptions where the affected party will choose to sue you. Some of the reasons why someone would sue you for a car accident if you have insurance include;
- Inadequate coverage – You might have an insurance cover, but then, it is not adequate to cater for all the damages caused by the crash. For example, you are expected to have a minimum of $25,000 for property damages and at least $50,000 for injuries. This means that if you have less than this or if the claim is higher than the limit, your coverage will not offer adequate protection, and the affected party may sue you to be able to recover the total cost of damages.
- Delayed settlement – the other driver may decide to sue you if the claim process is taking too long before settlement. If the insurance claim is dragged on, the affected party may File A Lawsuit.
Can you be Sued After Agreeing to Settle?
If you agree to settle the case outside of the court, the affected party is affected to sign a release. This bans them from filing a claim in the future regardless of whether s/he incurs accident-related expenses in the future. However, the case can be re-opened if the affected individual fails to reach an agreement with the insurance company or with your attorney regarding the terms of the settlement.
What to Do if you are Sued After a Car Accident?
Your priority should be to hire an attorney to represent you in the case. An attorney is experienced and has the required skills and expertise to speed up the case. You should take your time to look for a reliable and reputable Austin personal injury lawyer, make sure that the attorney is familiar with the law and has your best interest at heart. Contact Robert Littlefield Buford III, Attorney, at Law today for car accident claims.