Otherwise, your insurance company will not accept any claims regarding the accident and will refuse to reimburse you for the costs of defending against a lawsuit by the injured. (chicagolawyer.com)
Then think about the costs of defending yourself against a lawsuit filed by the injured party's insurance company. (effectivecoverage.com)
Your policy would pay what you owe, up to the liability limit of the policy, and your policy would defend you against the lawsuit over the fire. (effectivecoverage.com)