Can you be sued personally at the same time someone has an auto insurance claim against you?

Answers:1   |   LastUpdateAt:2012-09-14 07:21:04  

Question
Demora
Asked at 2012-07-30 14:46:02
My wife was involved in a car accident last October. The other party filed a claim with our insurance company this February of personal injury. The insurance company has determined responsibility very little and have not been able to reach agreement on the terms of the agreement. We just found out the other party has filed a personal injury lawsuit against my wife. This can be done at once? It is assumed that the insurance company to deal with this? If the other party is paid by the insurance company that my wife still be liable for damages? What happens if the insurance company and the other party agree ? Help ?
Answer1BraydenAnswered at 2012-09-14 07:21:03
Your insurance will only pay up to the policy limit . Therefore, if the other pary sues and wins more than the amount of your policy, you will be personally liable for the excess. That's why I always carry the highest limits of liability you can afford.
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