In Spokane, WA, your auto insurance provider will provide coverage for some basic legal fees, but this coverage is restricted to specific circumstances.

Essentially, your insurance provider will pay the legal fees and hire a lawyer on your behalf if you’re being sued, and by that we mean if you’re being sued over something that is not excluded, and if you’ve paid your premiums on time. If you’re being sued over a car accident for personal injuries, then that’s a personal injury lawsuit, and that’s what your insurance is there to protect you against in the first place. If you want to sue someone, on the other hand, you’re on your own.

And you might not be defended by your insurer if:

• You didn’t let your insurer know about the accident in a timely manner.
• You caused a car accident on purpose.
• The damages exceed your policy limits.

Most lawsuits you’re going to face as a result of a car accident fall well within the boundaries of what your insurance company is willing to pay for. They’re not here for criminal defense or to wield as your litigation financiers for suing people, and they can’t offer you much help if you haven’t paid your premiums. But if you are being sued over a car accident and your policy is still active, your insurer probably has your back.

If you are still looking to get covered in Spokane, WA, get in touch with us at Western Insurance Associates by email, call us, or stop by the offices. At Western Insurance Associates, we will compare several providers to provide you with quotes and get you a good deal on an excellent policy so that you can drive safely.