Can someone sue you for a car accident if you have insurance in California?

Yes. In California, having insurance doesn’t shield you from being sued for a car accident. If your insurance doesn’t cover all the costs, you could be sued for the difference.  

If someone sues you for a car accident, you have the right to respond within 30 days of being served with the Summons and Complaint, either through your insurer or by seeking legal representation on your own to defend your case.

 If you’re sued for a car accident and have no assets, your insurance company is obligated to defend you. If you’re sued for a car accident, have no money, and don’t have insurance, you may have to defend yourself or somehow pay for a defense lawyer out-of-pocket.

Yes. In California, having insurance doesn’t shield you from being sued for a car accident. If your insurance doesn’t cover all the costs, you could be sued for the difference.