My car insurance is probably going to be retroactively cancelled during a pending at-fault accident claim? What should I do? Will the other driver Personal sue me? Will my insurance company cease to represent me? I am afraid I will be personally sued. What should I do?
If your insurance is voided then you will not be entitled to defense or coverage. This means you will be responsible for hiring your own attorney if you are pursued.
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This is a duplicate question, see my answer to your other question.
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Since your carrier retroactively cancelled your coverage, you are personally financially vulnerable to the claim and litigation arising from the accident.
If the policy's cancellation is valid and made in good faith, then you will have no insurance to protect you (you did not state the reason, but normally the insurance company would have some strong evidence in order to cancel your auto policy ab initio, which simply means cancelling your policy after the fact to the issuance of your insurance contract).
Some insurance companies in order to hedge their bets will still provide you with an attorney in rare circumstances, but will still not indemnify you for any verdict against you.
If you are sued and a verdict is entered against you and your insurance company continues, you will be held personally liable for any verdict. However, if you have no attachable assets, it may be very difficult for the other party to enforce the verdict. You may want to consult with an attorney in your area who specializes in bankruptcy/debt-debtor law. You can use the "Find a lawyer" link at the top of the screen for the names of some attorneys near you.
Also, if you cannot pay the judgment, the other side can request your driver's license be suspended in the state of Florida, so that is indeed another consideration to take into account.
If your policy is cancelled, effective prior to the accident, your insurer will not afford you a defense. However, in that situation it is unlikely that the other party will sue you, unless you have very substantial assets. It is possible that the other party's insurer will go after you, once they have paid the other party's claims, in order to recover the money which they paid out. This is known as subrogation.
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