Will Your Auto Insurance Provide Legal Counsel?

​If you are ever involved in an accident, one common question is whether the other party will sue you.  Even if you don’t cause it, the person who believes you are at fault for the accident may sue you for all costs and damages caused by your negligence.

If their case goes to court, will your auto insurance may be able to provide legal counsel and pay a portion of those costs? Keep reading to find out. 

What is auto insurance?
Auto insurance is the financial protection you may need to protect you and your car from catastrophic damages following an accident or theft. With auto insurance, you may be covered for the cost of damages to your vehicle and its contents. In an accident, your auto insurance may reimburse you for the damages up to your policy limits.

Will your auto insurance provide legal counsel?
Yes. When you are being sued, your auto insurance may be able to pay out the value of the claim to the plaintiff. However, If your insurance doesn't cover paying out everything owed, you can still receive legal representation.

How will your auto insurance policies provide legal counsel?
Your auto insurance policy may help pay for your lawyer if you are sued for damages due to crashing into another vehicle. A standard policy for auto insurance coverage includes that it may provide you with legal representation if you are sued by someone else due to an accident involving your vehicle.

Exceptions to the ‘duty to defend.’
Most assume they should always be legally defended in a car accident when they sign up for auto insurance. However, there are many exceptions to this general rule, and it is always advisable to check the policy documentation. It includes:

1. Failure to provide notice of the accident.
2. Accident is deemed intentional,
3. The other party’s car damage exceeds the policy’s coverage limits.

Conclusion
Auto insurance is surely the best bang for your buck. It is an investment in your safety. With auto insurance, you can have some assistance in protecting your assets and recovering from an accident.

At Appletree Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (603) 881-9900. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!