You are wrong thinking you can’t sue an insurance company or the driver that caused the accident or even your passengers can sue you for driving while getting into an accident. Why do you think ambulance chasers like Morgan & Morgan and many other lawyers are in business?
If a friend gets drunk at a party I’m hosting and he gets in an accident on the way home, you can get sued.
This is also the reason to get umbrella insurance so you are covered no matter what happens. You hope you never have to use it but when you do, you will be glad you have it
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