No one wants to sue another person, especially when your injuries were caused by an accident – it’s not as if the at-fault person intended to harm you. However, you should understand that who you are really suing is the other person’s insurance company. In exchange for their premiums, the insurance company agrees to compensate accident victims and pay for any property damage that insured person may cause. In addition, the insurance company agrees to provide a legal defense if they are sued.
It is important to understand this relationship between the at-fault party and the insurer because the insurance company’s primary focus is to reduce the amount of the claims it has to pay. As a result, you should assume that they do not have your best interests at heart. Instead, they are likely to employ one of the tactics we describe below.