No one can plan for an accident, but you can be prepared for one. Whether you are directly or indirectly responsible, you can be pulled in to a lawsuit and the price tag for attorney fees can be hefty. Insurance exists to defend and indemnify you from allegations of negligence.
Remember, frivolous lawsuits are not unheard of, and even if there is no merit for the suit, a person can still file a complaint against you. Insurance is an affordable way to safeguard your personal finances, and here are some useful tools and resources to help you manage your risk.