Your insurance contract most likely has a clause in it stating that you must cooperate with your legal defense. If you do not, potentially they could claim you broke the contract and they do not have to follow through on their part of the contract - paying for damages. Then, if the Court ordered damages to be paid, you would be personally responsible. If liability (fault for the accident) is not an issue, your participation at trial is not as crucial. But, you should be certain to contact your lawyer to assess this.
Answered on Feb 18th, 2014 at 7:58 PM