Short answer: yes, if she is running an errands for her employer. Employers are liable for injuries caused by their employees while in the course and scope of their work. So, if she get's into a car wreck, even while she's driving her own car, her employer could be held responsible for the damages she caused to other persons, which includes property damage and personal injuries. She, too, would be personally responsible for her own negligence. However, if she's driving her own car,...
There's no formula that is applied to determine pain and suffering. Generally, it is what a jury of your peers will think you should get for having to endure the pain associated with your injuries. But that involves a lawsuit and trial. As for a settlement amount, it depends upon who the insurance carrier for the other driver is, and the facts concerning the accident. For example, if the other driver has a horrible driving record, has been involved in many other wrecks, and has a bad...
If you have, in fact, been served with a lawsuit, I would advise that you contact an attorney immediately! If you fail to file an answer to the lawsuit within the time prescribed by law, the person bringing the lawsuit can simply go to the court and request that a judgment be entered against you for an amount they feel is just. And, once the judgment is entered against you, it becomes a headache getting it reversed, if at all. If you cannot afford to hire an attorney, check with the local...