The insurance company has an obligation to defend you in civil court if you are sued, regardless of whether it is Small Claims or not. I don't know what state you are in, but if you were in Alabama, I would caution you that the law of damages only obligates one to have to pay no more than the value of the car, regardless of whether you were upside down. The cost of rental is only for a reasonable time. It sounds like your state may have defined a reasonable time to mean 30 days. You may want to check on those two items with a lawyer familiar with accident law.
Answered on May 17th, 2013 at 10:58 AM