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What are you going to sue them for? The accident is part of your record and that is the only thing that can be used to rate your policy. You always have the right to use an attorney and if you don't I don't imagine that it would make too many people happy at your insurance company but they can't penalize you for it. However if they are on the fence as to whether to renew your policy or not in the future it might make a difference.

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Q: If you have an accident where you are at fault can you sue your own insurance company If you do will it increase the chances of your rates going up Will it become part of your record?
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