Suing a friend or family member to recover damages for the injuries you suffered in a car accident might seem like a bad idea. However, in virtually every case, the damages that you can recover will be reimbursed by that person's insurance company. When that insurance company declines to cover your damages or offers to pay less than the full amount for all of your losses, you might have no other option but to file a lawsuit against the friend or family member whose negligence caused it.