If you have auto insurance, can you still be sued after an collision that was your fault?
a. yes, if property damage is more than your insurance, the other driver can sue you for negligence and win
b. yes, if the cost of a collision is more than your insurance coverage
c. yes, if someone dies because of the collision, the victim's family can sue you for wrongful death
d. all of the above

D. All of the above

Explanation:

I'll give examples and explanation for each options below.

-  Yes, if property damage is more than your insurance, the other driver can sue you for negligence and win

Example of this would be when you're drunk driving. If the other driver can proof that you're driving while having above allowed blood Alcohol Content (usually taken from police report), They can sue you for negligence since you purposefully put yourself in a compromised situation before driving

- Yes, if the cost of a collision is more than your insurance coverage

Insurance coverage only protect you as much as the agreed upon amount that during the purchase.

If you caused more damage than the insurance coverage, the victim of the accidents could sue you so you have to cover the difference with your personal wealth.

- Yes, if someone dies because of the collision, the victim's family can sue you for wrongful death

Wrongful death claims can happen to all actions that caused the loss of life , including driving.

If the death is caused under normal circumstances, claims for wrongful death will most likely be dismissed.  But, if the victim could proof a negligence (such as drunk driving or phone driving) ,  you can be subjected to additional reimbursement and jail time.

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