When Can An Auto Insurance Company Sue Me? 
An example of being sued by an insurance company would be : Your have been found at fault in an accident . Now you either had no insurance or your insurance coverage 's were to low to pay the damages . The latter is very common . The other parties insurance company paid for their own insureds damages and is now seeking to recover it 's losses . So lets say for example you did have some coverage but the coverage 's you carried were to low . Your insurance company would of paid the claim up to the limit you carried . This turns out to not be enough and the person you hit insurance company , having had to pay beyond what your insurance company would pay will sue to recover the additional monies paid out . Moral of the story : Carry the highest liability and property damage limits you can afford . Do not waste your money on a low deductible for your own car . This amount is minimal compared to what you can lose in a liability suit . 