What Happens If I’m Sued After a Car Accident?

Most people worry about medical bills and car repairs after a crash — but what if things go further? What if someone actually sues you after a car accident?

It can sound terrifying, but lawsuits are more common than you might think. Here’s what to expect, how the process works, and what you should (and shouldn’t) do if you’re sued after an accident.

1. Why Someone Might Sue You

Even if insurance is in play, another driver (or passenger) may still file a lawsuit if:

• Their damages are greater than what insurance will cover.

• They believe your negligence directly caused their injuries.

• They live in a no-fault state and meet the threshold for filing beyond insurance.

A lawsuit doesn’t always mean you’re automatically guilty — it means they’re asking the court to decide responsibility and compensation.

2. Insurance Defense Usually Steps In

If you’re sued, don’t panic. In most cases, your auto insurance company is required to defend you. They’ll:

• Hire a lawyer to represent you.

• Handle court filings and negotiations.

• Cover settlements or judgments up to your policy limits.

This is one of the main reasons liability insurance exists.

3. What a Lawsuit Process Looks Like

If the other party files suit, the steps often include:

1. Complaint filed in court.

2. You’re served papers (official notice).

3. Your insurer assigns an attorney to defend you.

4. Discovery phase (exchange of evidence).

5. Settlement talks or trial.

Most cases settle before going to trial — but you should still prepare as if it might.

4. Risks if Damages Exceed Insurance

Here’s the big risk: if the judgment is higher than your insurance coverage, you could be responsible for the difference. This is why having strong liability limits (not just the bare minimum) is so important.

5. What You Should Do If Sued

• Contact your insurer immediately. Don’t ignore or delay.

• Provide documents and evidence your lawyer needs.

• Avoid direct contact with the other party.

• Don’t panic. Most lawsuits resolve without going to trial.

The Bottom Line

Being sued after a car accident can feel overwhelming, but in most cases your insurance company will handle the heavy lifting. Your job is to cooperate, stay calm, and let the legal process play out.

👉 If you’ve been injured in a car accident or are worried about being sued, fill out our quick questionnaire. FindLawFast will connect you with the guidance you need.

Disclaimer: This article is for general informational purposes only and should not be taken as legal or financial advice. Lawsuits and liability rules vary by state. Always consult with a qualified professional for guidance in your specific case.