Do car insurance companies provide lawyers?
"My friend was in a car accident and filed a claim with her insurance. She just found out the other driver is going to sue her.
Will her insurance provide her with a lawyer or does she need to get her own?"
Answer provided by
Answered on Jul 27, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Car insurance companies are a type of risk transfer. This means that when you pay your premium to an insurance company, they agree to take on your risk. This includes things like lawsuits.
Your friend’s insurance company should provide them with a lawyer as long as the damages the other party is seeking are covered under their policy. If so, her insurance will work to settle or defend any suits.
Assuming the other driver did not submit a claim to your friend’s insurance prior to filing a lawsuit, their policy limits likely haven’t been exhausted. If the other driver has submitted a claim or is seeking further damages, your friend’s insurance may not cover them.
Your friend should reach out to her car insurance carrier as soon as possible. Her carrier will be able to explain the next steps and what they will cover.”
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