Insured policy holders generally buy insurance to secure two major obligations from an insurance carrier when they become the subject of a claim for damages. What can be unclear is what constitutes the type of claim or suit that triggers coverage under the insurance policy warranting the triggered obligations of the carrier.
You were in a car accident in New Jersey and the whole thing left you in a daze, which is completely normal. Thankfully you were okay, but the other driver was injured pretty badly. A little time passes, things seem to be getting back to normal, then, BAM, you are hit with a lawsuit and find yourself in need of a civil litigation defense.