Auto insurance is there to help protect our pockets when the worst happens. From collisions to accidents and more, car insurance steps in to recover and repair our vehicles. While it covers a variety of situations, does it cover legal fees? Many of us don’t know what our auto insurance in Antioch, CA covers when it comes to legal expenses.
Car Insurance Coverage for Legal Fees
Most, if not all, drivers on the road have liability insurance. This coverage consists of two basic forms:
- Bodily injury coverage – This covers medical expenses, lost wages, and other expenses of anybody injured as a result of the at-fault driver’s actions. It can also help cover legal fees if the injured party files a lawsuit against the driver.
- Property damage liability coverage – This covers damage resulting from a covered accident in which you were at fault, including the other party’s vehicle repair or replacement costs or any other damage to someone else’s property.
How Do Car Accident Lawsuits Work?
In essence, auto insurance helps to cover some legal fees. These lawsuits can work in 2 ways- either with you being sued or you suing someone else.
- If a third party has incurred bodily injuries and property damage from an accident caused by you, they may file a lawsuit against you to cover their medical bills and repair expenses. In such circumstances, your insurer will hire a lawyer to defend your case and cover the legal fees.
- If you are hurt in a car accident caused by another driver, you might want to file a lawsuit to compensate for your damages. However, in this situation, you will need to hire and pay for your own lawyer and any other associated expenses.
Ensure you have plenty of auto insurance to rely on. Finding the right auto insurance for your needs doesn’t have to be difficult. Talk to the team at Jack Stone Insurance Agency to get started on your reliable coverage.