In most states, you are required to carry bodily injury liability insurance. This insurance will cover the other person's medical bills, lost wages, and pain and suffering. If your insurance does not cover all their damages, they could sue you for the difference.
In some states, you are also required to carry property damage liability insurance. This insurance will cover the damage to the other person's car. If your insurance does not cover all the damage, they could sue you for the difference.
If you are involved in a car accident and do not have enough insurance, it is important to speak with a lawyer. A lawyer can help you understand your legal options and protect your rights.
Here are some steps you should take if you hit someone in a car accident:
1. Pull over to the side of the road and check on the other driver. If anyone is injured, call 911.
2. Exchange information with the other driver, including names, phone numbers, and insurance information.
3. File a police report. This will help to document the accident and create a record of what happened.
4. Contact your insurance company. They will be able to help you with the claims process.
5. If you do not have enough insurance, speak with a lawyer. They can help you understand your legal options and protect your rights.
