How To Determine Whether You Will Be Sued For A Car Accident
Car accidents can be very complicated. You might find yourself in a situation where both you and the other party could potentially be held liable for the accident. If you are carrying liability insurance, which is required in every at-fault state, you might wonder if you'll be sued for the car accident or if only your auto insurance provider will be liable.
Your Provider Imposes a Policy Limit
An auto insurance policy comes with a policy limit. This determines the maximum amount that will be covered if you are found liable for an accident.
If the damages that the other party suffered are much higher than the policy limit, they might choose to file a lawsuit to receive compensation for the remaining damages. They are most likely to do this if they believe that you have assets they can pursue. This not only includes money in your bank account but other assets such as valuable possessions.
The Other Party Might Not Accept the Settlement
Your insurance provider might also offer a very low settlement offer. If the other party does not consider the settlement to be good enough, they might decide to take legal action against you. If your case goes to trial, however, you are allowed to have an attorney represent you in court, cross-examine witnesses, and make legal arguments and closing statements.
A Car Accident Attorney Can Help
The best way to reduce your chances of being sued is to work with a car accident attorney. Your attorney will look over your case and help you determine whether you are really at fault. They will gather evidence from the scene of the accident, interview witnesses, and will work with forensic experts to build a solid case for why the other driver is actually at fault.
Be Aware of Comparative Negligence
Some states are considered to be "comparative negligence" states. In other words, if the other party is partially at fault, you may only have to pay very little or nothing at all in compensation. The other party might decide that it's not worth it to seek damages.
The Other Party Might Be at Fault
If your attorney is able to prove that the other party is fully at fault, you may be entitled to full compensation for any damages you suffered. Therefore, you should never assume you're at fault and always speak to an attorney before agreeing to anything or admitting fault.
For more info, contact a local car accident attorney.