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Rolando Cantu is the founding attorney of the Law Office of Rolando D. Cantu. He is committed to providing aggressive and high level legal representation—successfully defending clients charged with state and federal criminal offenses. He works on every case as a priority with personal attention, while prioritizing their needs. 

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515 Pecan Blvd. McAllen,

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Can Someone Sue You for a Car Accident If You Have Insurance?

August 15, 2022

Can Someone Sue You for a Car Accident If You Have Insurance?

If you are involved in a car accident, there is a good chance that the other driver will try to sue you. This can be a frightening prospect, especially if you have insurance. Can someone sue me for a car accident if I have insurance? The answer to this question is yes, they can. However, your insurance company should be able to help protect you from any legal action. In this blog post, we will discuss what can happen if someone sues you after a car accident and how your insurance company can help.

1. What can happen if someone sues you after a car accident?

As we mentioned at the beginning, if you are in a car accident, yes. The other driver can sue you even if you have insurance coverage. The most likely reason they would do this is to try and get money from you to cover any damages or injuries that they suffered as a result of the accident. If they are successful in suing you, then they could potentially receive a large sum of money from you.


This is why it’s so important to have a good car insurance company by your side. If you are sued after an accident, your insurance company will be there to help you. They will likely hire a lawyer to represent you in court and they will also help pay for any damages or injuries that the other driver may have suffered. Without insurance, you would have to pay for all of this yourself.


So, if you are ever in a car accident, remember that the other driver can sue you. However, as long as you have insurance, you will be protected. Your insurance company will help you through the entire process and they will make sure that you don’t have to pay anything out of your own pocket.

2. How your insurance company can help protect you?

If you are sued after a car accident, your insurance company will be there to help protect you in case of:

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  • A car accident lawsuit
  • A liability claim
  • A personal injury claim


Your insurance company will likely hire a lawyer to represent you and they will also help pay for any damages or injuries that the other driver may have suffered. Without insurance, you would have to pay for all of this yourself.


So, if you are ever in a car accident, remember that the other driver can sue you. However, as long as you have insurance, you will be protected. Your insurance company will help you through the entire process and they will make sure that you don’t have to pay anything out of your own pocket.


Another way your insurance provider can help protect you is by offering uninsured/underinsured motorist coverage. If the other driver does not have insurance or does not have enough insurance to cover your damages, this type of coverage will pay for your damages. This is another reason why it’s so important to have good car insurance.


Liability insurance is another type of coverage that can help protect you if you are sued after a car accident. This type of insurance will pay for the other driver’s damages if you are found to be at fault for the accident. Again, this is why it’s so important to have good car insurance.

3. What to do if you are sued after a car accident?

As we have mentioned in our previous blog: What to Do If You've Been Involved in a Motorcycle Accident, being involved in a car accident can be a very stressful experience. After a car accident, it is important to stay calm and contact your insurance company as soon as possible.


A car accident claim can take some time to process, so it is important to be patient. In the meantime, your insurance company will likely be working on your behalf to try and reach a settlement with the other driver’s insurance company.


The types of damages that someone can recover after a car accident include:


  • Medical bills
  • Property damage
  • Lost wages
  • Pain and suffering


That's why most of the time, people choose to sue the other driver to get the money they deserve. And in some cases, the other driver may not have insurance or enough insurance to cover all of your damages. This is why it’s so important to have uninsured/underinsured motorist coverage.


If you are sued after a car accident, the best thing to do is to contact a car accident lawyer. A car accident lawyer will be able to help you navigate the legal process and they will also be able to help you recover the money you deserve.


Also, personal injury lawyers usually work on a contingency basis, which means they don’t get paid unless you win your case. So, you don’t have anything to lose by contacting a car accident lawyer. Most car accident cases are handled on a contingency basis, so you don’t have to pay anything upfront.


And finally, if you are ever in a car accident, remember to stay calm and never admit fault. Admitting fault can be used against you in a car accident lawsuit. So, it’s always best to let your insurance company handle the situation and never admit fault. Liability coverage is there to protect you in case you are sued after a car accident.

4. Contacting an attorney

As we mentioned previously, if you are sued after a car accident, the best thing to do is to contact an experienced car accident lawyer. A car accident lawyer will be able to help you navigate the legal process and they will also be able to help you recover the money you deserve.


If you need to understand your insurance policy limits or if you need help filing a claim or fighting against one, don’t hesitate to contact an experienced car accident attorney. A car accident lawyer will be able to help you understand your rights and they will also be able to help you recover the money you deserve.


Car accident attorneys can help you with the following:


  • Filing a car accident insurance claim
  • Dealing with insurance adjusters
  • Negotiating a settlement
  • Taking your case to trial


You can read more about how an experienced attorney can help you in our blog: The Pros of Hiring a Lawyer After a Car Accident

5. Additional resources

If you have been in a car accident, we recommend that you check out the following resources:



These resources will help you understand the legal process and they will also be able to help you recover the money you deserve.


If you or someone you love has been involved in a car accident, we know that it can be a very stressful and overwhelming time. But you don’t have to go through this process alone. At the Law Office of Rolando Cantu, we can help you!


We have helped countless accident victims get the compensation they deserve and we can help you too. Contact us today for a free consultation. We will review your case and we will advise you on the best course of action. Call us at (956)-267-9898 or contact us online to get started.

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