Will My Auto Insurance Cover a Law Suit?

Reader’s Question:

What is my insurance provider’s obligation if I am being sued in small claims court? I have insurance in Pocatello, ID.

Olive

Pocatello, ID

It is your liability coverages of property and bodily injury liability in Pocatello, ID that include a legal defense as part of your coverage. Usually this coverage provides for a legal defense if another person in the incident files a lawsuit against you. Car Insurance coverage is limited to the conditions and terms contained in your car insurance policy.

When you purchase liability insurance, part of the insurance provider’s responsibility is to provide a defense for you if you are being sued. An insurance carrier will do this normally by hiring and paying for an experienced lawyer to represent you in the court. Even though the insurance carrier selects the attorney and must approve the payment of all expenses of the lawsuit and legal fees, the attorney represents you.