At the scene I was determined to be at fault. I have $25K worth of bodily injury coverage & $25K of property coverage. If damages exceed this amount, what happens to me. Will I be sued? Even if they have underinsured motorist coverage can I be sued? Do I need to get a lawyer or will my insurance company provide one? In the event I am sued and a judgement is made against me, can filing bankruptcy protect me?
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