Auto Insurance Claims Louisville Kentucky KY
Filed under: Auto Insurance Quotes, Auto Insurance Tips, Insurance Quotes
Reader’s Question:
I want to know what my insurance company‘s responsibility if I am being sued in small claims court in Louisville, Kentucky and what part of my insurance policy is this covered?
Kevin
Louisville, KY
It is your liability coverages of bodily injury and property that includes a legal defense as part of your insurance coverage. This part of your insurance coverage usually provides for a legal defense if another party in the accident files a lawsuit against you. Auto insurance coverage is limited to the terms and conditions contained in your own insurance policy.
When you purchase liability insurance, part of the insurance company’s obligation is to provide a defense for you if you are sued in case of an accident. An insurance company will normally do this by hiring and paying for an experienced attorney to represent you in court. Even though the auto insurance company selects the lawyer and must approve the payment of all legal fees and other expenses of the lawsuit, the lawyer still represents you.
If you are concerned with lawsuits being charged against you after a car accident in Louisville, KY then you may want to up your liability limits and perhaps obtain an umbrella policy to protect your assets. With this policy you can list what items you want to be covered (for example; home, boat, cars, motorcycle, etc) and then those listed items are underwritten and an insurance rate is provided for the premium to cover up to $1 million in liability. It should be noted that in general small claims court they do not allow lawyers to assist you in court so you would need to ask your insurance company what help they could provide you for a small claims lawsuit.