Lilah Butler, Car Insurance Writer
@lilah_c
Yes, you can get sued for a fender bender. The other party is entitled to sue in order to recover the full cost of the damage suffered if your liability insurance limits are not enough to cover the extent of the damage and injuries. For example, if you get into an accident with someone and they rack up a total of $30,000 in medical expenses as a result, but your liability insurance only covers up to $25,000 for bodily injury, then they can sue to recover the remaining $5,000 needed to cover the cost of the medical bills.
It's always a good idea to have higher limits than required by state law on your liability insurance, in case you're found to be responsible in an accident. You can talk to your insurance agent about your options, to ensure you have a safety net and are protected in case of accident.
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