Does Auto Insurance Cover Being Sued?

  1. 7647 POINTS
    Mark Bartlett CLCS
    Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    If you are held liable for an accident that you are at fault your bodily injury liability and property damage would cover you in a law suit up to the limit of your policy for damages you caused to the other party. The insurance company has no obligation beyond your coverage limits so if the other party is suing for monies above and beyond your current coverage's you would need to seek your own legal counsel. If you are being sued for a coverage that is not part of your policy your auto insurance carrier will not defend. Your auto insurance must initially respond to let you know if there is coverage in the particular loss or not. Make sure you have the discussion with your local agent on the particulars of your situation.
    Answered on May 1, 2013
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