Even if you are sued after being involved in an auto accident, your insurance should take care of any problems that arise. One of the risks that are covered under a basic car insurance policy is the cost of providing legal help when and if it is required. In most cases, the injured party would not even file a claim against you directly, submitting it, instead, to your insurance company for settlement or denial.
The first step when you are notified of a lawsuit regarding the incident is to contact your insurance company and inform them of the development. Your insurance agent will be able to tell you how to proceed, or to intervene on your behalf. In most cases, your insurance covers legal representation if the case goes to court, but it is more common for the insurance company to reach a settlement on your behalf without resorting to the court system at all. Even though you have received notice of a suit being filed, your insurance company will act on your behalf, often without any direct involvement from you at all.
Additionally, if you live in a no-fault insurance state, being sued may not be an option anyway. No-fault insurance is typically designed to reduce or eliminate tying up legal resources with civil accident claims, and car insurance related claims are limited to cases of extreme trauma or excessive costs relating to the accident. In fact, no-fault insurance was developed by insurance companies to reduce the number of uninsurable accidents without penalizing the law-abiding parties.
If you are involved in an accident where legal action is involved and are not satisfied with the way your insurance company handles the situation, you have the right to find a different company and switch your insurance to prevent the situation from arising again. Use online quotes and insurance comparisons from a number of different companies and check the financial ratings of the most popular choices to find out how well they stand up under financial scrutiny.