You do NOT need an attorney because your insurance company will assign one, if necessary.
You have no worries. Anyone presenting a claim MUST prove your damages. Your insurance company will assign counsel. You have NOTHING to be concerned about.
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It very well may be. Report this to your insurer asap. Contact a local and qualified personal injury attorney. There may be grounds to hire your own personal counsel; although this is the exception to the general rule.
Personal injury cases only; I'm good at it; you be the Judge! All information provided is for informational and educational purposes only. No attorney client relationship has been formed or should be inferred. Please speak with a local and qualified attorney. I truly wish you and those close to you all the best. Jeff www.nyelderinjurylaw.com
You are going to be assigned an attorney by the insurance company. They will handle your case, even though you can hire your own personal attorney at your own expense. Because Fort Wayne has very high quality insurance defense attorneys, you'll probably feel comfortable with the attorney your insurance company hires. Not knowing the injuries, it is difficult to determine the value if the injured person's case. Luckily, you were smart enough to purchase a healthy amount of liability coverage. If you aggressively pressure the insurance company to settle the case within your policy limits, I think you will be fine. Insist they keep you informed of everything.
Given your facts the $250,000 in coverage should be fine.
DISCLAIMER: David J. McCormick is licensed to practice law in the State of Wisconsin and this answer is being provided for informational purposes only because the laws of your jurisdiction may differ. This answer based on general legal principles and is not intended for the purpose of providing specific legal advice or opinions. Under no circumstances does this answer constitute the establishment of an attorney-client relationship.
Should be more than sufficient under the basic facts you describe. Unlikely that you would be subject to an excess judgment. Your insurance company will hire counsel on your behalf and they have a duty to protect you within your policy limits coverage. Good luck.
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