No you don’t, but that’s all right. I never ever considered that possibility. Yeah your insurance company is the one that should defend you and provide free lawyers. But a civil suit? I dunno, but that’s why I have car, home, and an umbrella policy with the same guys so no matter what someone comes at me for (except gross negligence which would be impossible for me) they have to defend me.
Now just to change the subject, once a week or so someone asks the State Patrol to answer a legal question. Today the headline was: “Ask a Trooper: Trailer Breaks on Axel”. Ahhhh drives me nuts. I can understand a computer mixing up break and brake, but there is no such word as “axel” unless they are talking about the name of a South Dakota grade school. So a human had to write it.