Sometimes, the harshest reality of being involved in a car accident might come up several months later. Even if you find a way to walk away from the car accident without any bruise, dealing with medical bills and insurance companies, it is possible for the other driver involved in the accident can sue you for damages.
If you have been involved in an automobile accident and an insurance company is issuing you, then trust our insurance company suing me for a car accident guide to walk you through the best steps and tips. Just because another driver you were involved in a car accident has sued doesn’t mean he will go ahead and sue you, so there really isn’t any need for you to panic yet.
There are states referred to as no-fault states where you can not be sued for an accident even if you are at fault for the accident. Such states are referred to as no-fault states, and they include;
- New York
- New Jersey
- North Dakota
Insurance Company Suing Me For Car Accident
Determine If You Are Truly At Fault For The Accident
You should try finding out if the cause of the accident resulted from your negligence, and if you are not at fault, you should make sure you start piling up evidence that would help in backing up your claims. Anything that would prove you are not at fault should be carefully documented, and this could range from doctor’s report to eye witness report to pictures. You should include a copy of the insurance claims adjuster’s reports and a police report as well, and you should give all of this information to the attorney representing you.
You should also get in touch with an attorney if you are at fault, and if you and your lawyer can prove the other driver also shares some faults, you might reduce your liability.
Call Your Insurance Company
Your insurance provider should be contacted immediately, and you should bring them up to speed because they also have a vital role to play in this case. You should report the accident to your insurance company, and they should also have a detailed report of what truly happened. You must tell your insurance company what really happened even though they would not be pleased to hear that you were involved in an accident.
Take Advantage Of Their Services
One other reason why reporting to your insurance company is the wise thing is that you can also benefit from the services they would provide during this event. For example, if you contact your own attorney, you would have to pay for attorney charges, but it would be free if your insurance company appoints one for you. You should work closely with this attorney and allow him to allow legal representation with the other party’s legal team.
Find Out How Much Your Damages Cost
The insurance company would cover medical bills and legal bills, and other damages you are being sued for. Still, you should have it at the back of your mind that your insurance company would pay up to the amount you have in your policy, so if there is any money left to pay, you would have to pay it off.
Understand The Interests Of Your Insurance Company
It is also possible that you and your insurer might end up on the other side of the fence. There are cases where insurance companies refuse to defend their customers, which happens when the insurance company believes you have voided your coverage. You should also know that your insurance company isn’t really protecting your interests, but they are more concerned about reducing the cost they have to pay as damages.
Prepare To Settle
In most cases, settling car accident lawsuits out of court is more common because it can benefit both parties. You and your insurance company can reach out to the other party’s legal team and ask for a settlement. You can also offer an amount of money that falls within your policy limits, so you don’t have to pay extra out of your pocket.