Insurance coverage is an important factor in a personal injury case. Even though an individual or a company may be legally responsible for your injuries and medical care, they may not necessarily have enough assets or income to pay. Bankruptcy laws in the United States often allow debtors to discharge debt from legal judgments, especially if those judgments are for negligent injury. Because insurance coverage is one of the several sources of compensation to satisfy legal claims, it is important to speak with an experienced attorney right away to determine the best way to proceed.