Preparing for the Worst: What to Do If You're Sued for More Than Your Insurance Can Cover

What happens if someone sues you for more than your insurance covers


Being sued is one of the most stressful experiences a person can go through. It can be even more worrying when you find out that the amount being claimed in the lawsuit is more than what your insurance covers.

What do you do?

First of all, don't panic. Just because the claim amount is higher than your insurance coverage, that doesn't mean you will automatically lose the case and have to pay everything out of pocket. However, you do need to take some steps to protect yourself.

Step 1: Contact your insurance provider

If you haven't already, get in touch with your insurance provider as soon as possible. Let them know that you are being sued and that the amount being claimed is higher than your coverage. Your insurance provider will have lawyers who can help you defend against the lawsuit.

Note: Be sure to carefully read your insurance policy to determine what is covered and what isn't. This can vary by policy and by state.

Step 2: Hire an attorney

If your insurance provider is unable to help, or if you don't have insurance, you'll need to hire an attorney to defend you in court. Be sure to look for an attorney with experience in the type of lawsuit you're facing.

Step 3: Consider settlement negotiations

Even if the claim amount is higher than what your insurance or financial resources can cover, it's still possible to negotiate a settlement. This means that you and the person suing you come to an agreement on an amount that you will pay to resolve the case.

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Note: If you do reach a settlement, be sure to get it in writing and have your attorney review it before you agree to anything.


Being sued for more than your insurance covers can be a scary experience, but it doesn't have to be the end of the world. By taking steps to protect yourself and working with your insurance provider or attorney, you can defend yourself in court and even negotiate a settlement.

  • Remember: be sure to carefully read your insurance policy to know what's covered and what isn't.
  • Also: hiring an attorney with experience can make a big difference in the outcome of your case.
  • Finally: consider settlement negotiations as a way to resolve the case, even if the claim amount is more than you can cover.

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