• "I'll sue you for that!" is referring to the action of filing a lawsuit before a court of law.
  • If this happens to you then part of your insurance coverage is the legal expenses to defend against a liability claim regardless of who is at fault. Without insurance you will have to find and hire your own lawyers and pay all costs. Perhaps you will see some recovery of the money you have spent but it can reduce your operating capital and will take away some of your working time to deal with the situation.