I got into a minor fender bender last month, and the other driver is now claiming they have back pain from the accident. My insurance company is asking a lot of questions. What kind of liability am I looking at here, and could they sue me personally even though I have car insurance?
Your car insurance liability coverage is designed to protect you in exactly this situation, which is why your insurer is investigating - they'll either settle the claim or defend you if it goes to court. Yes, someone can technically sue you personally even with insurance, but that's rare because insurers usually handle it, and most states require minimum liability coverage specifically so injured people have a fund to tap into rather than coming after your personal assets. The back pain claim is pretty common after fender benders, which is why the insurance company is asking detailed questions - they're trying to figure out if the injury is legitimate or exaggerated. As long as you have adequate coverage limits (check your policy), you're largely protected from personal liability.
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