Why might you face legal problems even if you have insurance after being at fault in a collision?

You might face legal problems even if you have insurance after being at fault in a collision because you may be sued for negligence. When an accident occurs, the injured party has the right to seek compensation through a lawsuit if they believe that the other driver was negligent in their actions. Negligence refers to a failure to exercise the appropriate level of care that a reasonable person would in similar circumstances, leading to damage or injury.

While insurance generally provides coverage for bodily injury and property damage, it does not shield you from being sued. This could happen if the damages exceed the limits of your insurance policy or if the other driver seeks additional compensation for pain and suffering or other non-economic damages that might not be fully covered by your insurance. The potential for a lawsuit highlights the risks associated with being at fault in an accident, regardless of having insurance coverage.