I was in a 4-car accident. Car #1 was making a dangerous and illegal left turn from an inner lane and was ticketed. I was car #2 who she cut-off. Car #3 hit me from behind. Car #4 was in the lane to the left of me and also hit car #1, but no other cars. Now, I (as well as car #1) am being sued by car #3 for injuries. My car was totaled and the insurance from cars #1 and #3 paid me. I now have to file an Answer to the Summons. I had no collision on my car, therefore, my insurance company was not involved in the payout or negotiation for such and will not provide legal representation for the lawsuit. I cannot afford an attorney. How do I answer this Summons? I have 20 days to do so.
Collision covers is for the damage to your car. It has nothing to do with your insurance company having to defend you from a bodily injury claim made by someone else. Your carrier should assign you a lawyer to defend the case. Let them know asap you have been sued.
I am a former federal and State prosecutor and have been handling criminal defense and personal injury cases for over 19 years. The above answer, and any follow up comments or emails, is for informational purposes only and not meant as legal advice.
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