Can anyone answer my question about my auto insurance policy?

okay, last december 2005 I was involved in a minor car accident due to weather conditions, and I had to pay my auto insurance company a "500 deductible" to repair the damages that I made to my vehicle, so they had fixed it. This august of 2007, I recieve a letter from my insurance policy attorney stating that I am being sue by the plantiff of the vehicle that I hit. Why I'm being sued if I was cover by my insurance policy and the plantiff car, and is there anything I can do to defend myself. Because they should go after my insurance company if they didn't pay for the plantiff car.... not me.

You can be sued for the amount above the limit on your policy. As an example, if you have $50,000 coverage for liability. You are driving and run in to a very expensive house and cause $75,000 in damage. Your insurance company will pay the owner of the home $50,000 since it is the limit of your policy. The owner of the home would then sue you for the remaining $25,000.

You should see a lawyer.

You're right, they should. And they TECHNICALLY are; however, the Ins. Co. underwrites YOU. So, to get at the Ins. Co., the other driver has to go through you. That help?

Contact your insurance agent and send i=him a copy of the summons. Request from the insurance company any and all records associated with claim payments relative to that accident. If the insurance company has already paid out the limit of your liability coverage and there are still damages that have not been settled then the injured party could seek a judgment against you. What your statement says would seem to indicate your liability coverage should cover the damages, but this is a litigious society and by the time the other person claims soft tissue injury and post traumatic stress disorder and the attorneys fees get tacked on, the settlement amount they are looking for can skyrocket quite easily. As long as insurance companies keep rolling over and saying "it's more cost effective to settle", we're going to be plagued with opportunistic malingerers trying to make an easy buck instead of working for their money like you did. I wish I could be more upbeat for you, but best of luck anyhow.