I've been sued by the other driver. Will my policy cover that?
Yes. Your liability insurance covers lawsuits. Your company has a duty to provide a lawyer to represent you in lawsuits accusing you of negligence in driving your car. If you receive a summons or notice of a lawsuit, notify your company right away. Although the company pays for the lawyer, the lawyer's ethical duty is to represent your best interest. There is no policy limit on how much the company must pay the lawyer to represent you.

If the case is settled or there is a judgment against you, the company will pay up to the policy limit . But if the court judgment or settlement is more than your policy limits, you will have to pay the difference. The company may refuse to defend you if you are accused of intentionally injuring someone or intentionally damaging property.

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1. What auto insurance coverage is required in SC?
2. Is a person required to have underinsured motorist coverage in South Carolina?
3. What is the minimum requirement of insurance on other types of vehicles besides your own personal automobile? For example, a dump truck?
4. I received a form to sign from my insurance carrier about underinsured motorist coverage. What is the purpose of this form?
5. Can a company refuse to insure me?
6. When can my automobile liability insurance be canceled?
7. When can my automobile comprehensive and collision coverage be canceled?
8. Aren't all insurance companies required to cover windshield damage for free in South Carolina by law?
9. Does the insurance company have to notify you when your renewal insurance premium is due?
10. Does the automobile policy contain a grace period for paying the renewal premium?
11. An agent quoted me a low rate so I bought the policy. Then the company raised the rate two months later. Can they do that?
12. Are there any specific time limits for an insurance company to pay claims?
13. May I keep my auto if I have a collision, limited collision or comprehensive claim and my insurance company declares it a total loss?
14. Can the insurance company pay me less than Blue Book for my totaled vehicle?
15. The adjuster recommended a specific body shop. Can I use a different shop?
16. Who pays for the rental car while my car is in the body shop?
17. The insurance company put the leinholder's name on the check for repairing my car. Why?
18. An uninsured driver demolished my car! Who pays?
19. I've been sued by the other driver. Will my policy cover that?