The owner's policy should cover this for any permitted driver, like you.
Report this to the carrier and forward all papers to the insurer.
The amount claimed is jurisdictional, and has no relation to what you are necessarily liable for.
If you think any insurance company will pay you what you want on this without a lawyer, you should seek help immediately! It will never happen.
Like the other answerer said, one can claim anything, but proving it is another thing.
Please don't even think of handling this yourself. You require legal help, a lawyer who will understand what is needed to compensate you fully for all your physical and lost wage injuries and damages, and, most significantly, what documentation is required or...
I can understand why you are so stunned. You bought insurance and paid it, but now the carrier is playing games with coverage.
There are very strict requirements before insurers are allowed to simply abandon insureds.
First thing you must do is forward the suit papers to the insurance company. Do it via fax, certified mail, messenger, carrier pigeon, and perhaps all those methods. Save copies of the proof of communication of this.
Then, you will want to contact an attorney who...
Rates take into consideration many factors, even if you didn't make a claim.
You're complaining about $50/year. That doesn't seem like much. What exactly do you expect--that rates will always stay the sane?
Rates change periodically based upon many factors. If you are unhappy, vote with your feet and find a new carrier.
My guess is this is a sub-standard company playing games and trying to find a way out of paying for what they are supposed to pay for under your policy.
Unfortunately, to challenge this, a specific type of lawsuit, known as a declaratory judgment action, must be filed to have a court determine whether they followed the proper procedures in denying you coverage. It is NOT something you can do yourself.
I suggest you contact an insurance coverage lawyer. There are many good ones in the...
It depends on the agreement. Most often, the arbitrator does not know policy limit, demands, offers etc. Also, most arbitration agreements call for parties to split costs. Talk to your lawyer.
Stephen L. Hoffman
Law Office of Stephen L. Hoffman LLC
If liability is admitted, I guarantee the defendant will not be called, although it may be allowed that the plaintiff could call the defendant as an adverse witness. But with admitted liability, it is unlikely a judge would allow this.
Either way, talk to your lawyer to get a more thorough explanation of the procedure and strategy.
Report it to YOUR insurance, and they'll take care of any damage to the vehicles or people.
Report it to THE OTHER GUY"S carrier for any damage you sustained and GET MEDICAL TREATMENT IMMEDIATELY, as any lag time will be used against you. Consider retaining an attorney, as navigating a personal injury claim is not something to be done solo unless you are positive you understand the process at least as well as the adjuster does.