Exactly one year ago, I was involved in a rear end collision. I hit a lady from behind and almost totaled my car. The lady drove a big SUV and barely had a dent on her bumper. She got out of the car and asked whether I was ok, and I said yes. She said she is fine as well and that she has already called for law enforcement and that she was leaving. I stayed and the Police came and waited until my car was towed. It was my first accident and was not asked to take a Police report. The insurance took care of everything and fixed my car and I never heard from the lady ever since.
Until a week ago my insurance called me asking whether they can release my auto policy information to the lady's lawyer. They said that they are trying to seek for more money, that the lady has incurred about
If you are sued, your insurance company will appoint a lawyer to defend you under your liability coverage. My advice normally would be to notify your insurer immediately but It sounds like your insurer is already aware of this potential claim. Speak to your adjuster to confirm this. Good luck.
Your insurance will carefully evaluate the other party's claim and will make a decision if reasonable and necessary expenses that were related to the accident should be paid for. If the other party files a lawsuit your insurance company will hire a lawyer to defend you. Talk to your insurance adjuster and find out what's the extend of the claim and any possible lawsuits against you. Also confirm that they will assign a lawyer to you once d lawsuit is filed. Make sure to provide your insurance with any And all papers received from the other party, her attorney of insurance carrier, including Any lawsuits that you may receive in future.
The good new is this: In California, your insurance carrier has an obligation to you to try and settle the claim within your $25,000 policy limits. And if the lady files a lawsuit, your insurance carrier will hire a lawyer to defend the lawsuit. That does not require that the other driver accept the offer. And yes, the women has the right to seek more money than just your policy limits. If the insurance carrier offers to settle for your policy limits, they will also request that the other driver sign a full release of all claims so she cannot sue you for more. If you are concerned, it will be worth your peace of mind to meet with an asset protection lawyer. Also, call your adjuster and seek his or her help in guiding you through this process.
As my colleagues have said, let your insurance company deal with this lady's claim. They are obligated to defend you to the limits of your policy and will, no doubt, try and dispose of the claim for an amount within your policy limits.
I just wanted to add it is in your interests to allow your insurance to release your policy information. You are obligated to cooperate with them in defending the claim. A failure to do so potentially would allow them to escape their obligation to defend you.
If, at any time, it becomes a probability that the lady's claim value could exceed your policy limits, you will be notified and your options explained. I highly doubt you need worry about that, however, based upon what you related in your post.
I agree with Attorney Lee. Your insurance company should handle this for you.
Check out my website below and give me a call for a free consultation if you are a California resident 877-427-2752 or you can email me at Michael@Kingofpersonalinjurylaw.com
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