I was on my way to work heading north bond had plenty time before I got to the intersection maybe 50ft away when it turned green as I entered the intersection a laddie blew her red light and had hit me in the passenger side spun around kept her foot on the gas and hit me in the rear of my car the insurance paid the car off I've been out of work now nearly a month I have a lawyer that's helping but I'm about to lose my house can't get a loan for another car I'm very depressed and can't control my panicking I have had to barrow money I been to the doctor about my knee and back had MRI done on knee and now can't even get my back looked at cause I have no money
You are suing her. Her insurance company will be defending her through her insurance policy. The insurance company will be responsible for paying you any damages agreed to or awarded by the court. However, the insurance company will only have to pay to the limit of their coverage. If your damages are more than that you can pursue collection against her individually, but that is usually difficult. You have an attorney and should discuss your concerns and questions with him/her.
Your claim will always be against the other driver because she is the wrongdoer who caused you injury and damages. Her insurance company will handle the claim and represent her. They are only responsible to pay up to the limits of their insurance coverage. If a jury were to return a verdict in your favor above the limits of the insurance policy, then you would have the option of pursuing the amount over the insurance policy against the lady individually. As others have said, that is usually pretty difficult.
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