[photon]

I know someone who just got served, apparently a car accident they were involved in (were the 4th car in a 5 car pileup) the first person decided to sue everyone for damages and injuries and stuff.

I had never encountered that before. Is that the kind of thing that the insurance companies cover with the liability insurance? What's their best course of action? Contact the insurance company? Will the insurance company provide legal counsel to represent them?

I kind of assume that the insurance company will represent them because it's the insurance company's money that's at risk.

Anyone have any experience in this? Just wondering what to expect...