I loaned my truck to my nephew and my brother, my nephew was driving, an ice chest flew out of a truck in front of them that made my nephew swerved and hit the cement barrier in the middle of the road. My brother was injured. However, I only have liability insurance. Will that cover my brother’s injuries? The lawyer’s assistant told me that I’m going to be sued if I don’t file a claim, but I don’t understand why? The doctor’s bills for my brother, the lawyers time?