When you buy insurance, you have an agreement with the insurance company. You pay your insurance premiums and the insurer protects you in the event of a car accident.
If you have auto insurance, then you should have liability coverage. Liability insurance is designed to protect your assets and property from the person you injured. In the situation where someone sues you, your insurance company will hire a lawyer to defend you. The insurance company will also pay the injured person up to the limit of your liability coverage.
For more information regarding insurance coverage, order Virginia car accident attorney Ben Glass’s book, Buying Car Insurance: Why Insurance Companies Do Not Encourage You to Buy the Most Important Insurance Protection in Virginia.