My son was 9 yrs old and husband was inside garage working when neighbor son came inside and went to the backyard with my son. Dog excited jumping up scratched his face, no blood seen by spouse, 14yrs old ran out to mom saying he was invited by my son. Mother called animal control and they investigated and quartined my dog. So home insurance unable to settle with mom and know they have served us and were unsure of our legal options & responsibility?
Your insurance company will defend the case by hiring you an attorney. The will also settle within your policy limits. You have an absolute right to know what they are claiming in the lawsuit, and the lawyer will explain it all to you once he or she gets the case from the insurance company. If you are concerned that the amount of damages exceeds your policy limits, you can hire a private attorney to shadow the attorney hired by the insurance company, but frankly, based on what you describe, I don't think its necessary.
You need to turn the summons and complaint over to your homeowners insurance carrier. They will appoint an attorney to defend you in the legal case. Once you know who the attorney is, I suggest you schedule a face-to-face meeting to review the entire situation. While the attorney will be paid by your carrier, the attorney has a duty to you. Your attorney will answer all of your questions and, if the attorney does not, you should file a complaint with the State Bar.
If this information has been helpful, please indicate below.
Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received.
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