Your carrier will provide counsel.
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No. You should let your insurance handle it. Often times the injured party will settle for 'policy limits' releasing you from any excess liability. Unless you have significant assets, you likely will be fine. Wait until the settlement is close to reevaluate. Now might be a great time to re-evaluate your insurance coverage. Best of luck.
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If your auto insurance carrier doesn't know about this yet, you may want to report it to them to be sure you will be covered. The insurance company will handle it and if it doesn't settle, they will provide you with an attorney to defend you. Good luck!
I am licensed in California only and my answers on Avvo assume California law. The above answer is for general information only and is based on the information you posted. Every case is fact dependent, so to get a thorough analysis of your situation, you will need to consult face to face with an attorney licensed to practice in the jurisdiction where the incident took place. Do not conclusively rely on any information posted online when deciding what to do about your case. No attorney-client relationship shall be created through the use reading of this response on Avvo. You should never delay seeking legal advice, disregard legal advice, or commence or discontinue any legal action because of information in this response.
Your insurance company will handle the matter, however, if the injured party claims damages over your limits, you should, indeed, consult with a private attorney to make sure your interests are properly protected.
You should report the accident to your insurance carrier if you haven't done so already. If you are sued, the insurance company will assign you an attorney.
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