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Like I said, newt, your insurance company will get in between you and a lawsuit. People that say "Get a lawyer now!" are clueless. Part of what you pay for is defense against personal injury lawsuits, be it via legal action or settlement. The only time it could hit you is if the person has injuries that exceed your policy limits (example being spinal cord injury causing paralysis from the neck down, loss of limb, etc)
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