If you’re involved in a car accident, it’s natural to wonder what your auto insurance will help you pay for. While your agent will help you understand your coverage, it’s worth knowing beforehand what you can expect. In this litigious society, lawsuits happen more commonly than you may realize. With that in mind, here’s what you should know about auto insurance covering legal fees.
The good news is that most car insurance policies will cover the legal cost to defend you if a lawsuit arises. Most standard insurance comes with liability coverage, including:
• Bodily injury liability coverage – This covers medical bills, lost wages, and other expenses of anyone who is injured as a result of the at-fault driver’s actions. This coverage will also cover legal fees if the injured party files a lawsuit against the at-fault driver.
• Property damage liability coverage – This covers damages resulting from a covered accident in which you were found to be at fault. It covers the other party’s vehicle repair as well as other damage to someone else’s property.
If you are being sued, then your car insurance will cover your legal costs and hire an attorney on your behalf. However, if you are suing someone, then you will need to find and pay for your own lawyer. Auto insurance will not cover the fees needed to sue someone. Keep in mind, however, that if you win the lawsuit, you may be able to collect these legal fees from the at-fault party.
For reliable and affordable auto insurance coverage, contact the professionals at Lou Aggetta Insurance Services.