On average, there are six million car accidents every year in the U.S. Since the risk of getting into an accident is so high, many states require drivers to carry insurance. However, you may still find yourself asking: Can someone sue you for a car accident if you have insurance?
Read on to find the answer.
Can Someone Sue You for a Car Accident if You Have Insurance?
The short answer to this question is: yes.
In the U.S., people have the ability to sue others for a variety of different reasons. Anyone can sue you after a car accident, but that doesn’t mean they will be successful and win their case.
You have insurance for a reason. It’s supposed to cover any expenses that might arise during an accident. However, if you don’t have enough coverage and the other person is looking for compensation to pay for medical bills, damage to their vehicle, lost income, or pain and suffering, then they can certainly take you to court and try to get more money out of you.
This might have you asking: Can someone sue you after insurance pays? Again, the answer is yes.
If they find that the insurance settlement isn’t enough to cover their expenses, they can always attempt to get more. They may even use Accident News to be as successful as possible in their lawsuit.
Common Reasons You Might Find Yourself in a Car Accident Lawsuit
There are a variety of reasons why another person might be suing for a car accident. Depending on your insurance company, even if you get sued, they may send lawyers to help you with your case. Here are some of the common reasons people sue after a car accident:
Not Enough Insurance
Having liability insurance means that the insurance company will pay for damages in the event of an accident. However, if your coverage isn’t enough to pay for the expenses incurred by the other person, then they may sue you to get more.
Most states have a minimum amount of liability insurance that you have to carry. This keeps you in compliance with the laws, but it could mean getting sued for a car accident because you can’t cover all of the other person’s costs.
The Process Takes Too Long
Many states have statutes of limitations on when a person can sue after a car accident. Insurance companies may drag the process out as long as possible to get out of paying.
If a person files a lawsuit, this stops the clock on the statute of limitations. They may have no intention of actually taking you to court, but they want to make sure they get their money and have the option, just in case.
Being Sued After a Car Accident
If you find yourself asking, can someone sue you for a car accident if you have insurance, the answer is yes. However, that doesn’t mean they will be successful in their endeavor.
The only thing you can prepare for when it comes to a lawsuit is to make sure you have a lawyer that will be able to answer your questions and help you through the process.
For more tips and information about the law and lawyers, check out the other articles here on our site.