I'm getting sued for a car accident happened 1 year ago. At the time I filed a claim with my insurance company and got paid to repair my car. However, the suit against me was filed after my former policy has expired, and now I have a new insurance company. Will the former company step in to defend the suit, because the accident happened while the policy was still in effect?
Make sure you turn the lawsuit over to the insurance company you had on the date of the crash. They have a legal duty to hire a lawyer to defend you.
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As Mr. Tackett stated, it's critical that you inform your prior insurer. If you do not let them know about the lawsuit, they will not intervene.
Also, bear in mind that you have only 21 days to answer from the time you were served. DO NOT LET THAT TIME EXPIRE WITHOUT FILING AN ANSWER. If the prior insurance company is delaying, find your own attorney and be upfront with them that you may only need them to file the answer in case the prior insurer steps in. You may be able to have his fees reimbursed by prior insurer if they are the reason for a delay in obtaining an attorney, and why you needed to pay for someone to protect your interests.
This answer provides general advice and should not be understood as to create an attorney-client relationship between the questioner and the responding attorney.
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