You’re driving along Route 101 when suddenly the car in front of you veers sharply off the road and flips over. The driver is trapped. You want to help, but ironically find yourself paralyzed with fear. What if you wind up doing more harm than good? What if the driver or his family decides to sue you?

If you are injured by the negligent or intentional wrongdoing of another individual or company, it is likely that the at-fault party will have some kind of liability insurance. Since the insurance company will be the party paying the damages, you will have to face the insurer and their lawyers. ...