Dog bite allegedly happened in our driveway. No actual witness to say exactly what happened. Lawyer for injured party wants to know our policy limits. Injured person was 3 year old neighbor that we barely new and was unsupervised. Injury is two small scratches on face and one cut along jaw line with about 6 stitches.
If you carried homeowner's insurance, why are you even talking to the claimant's attorney? You should notify your homeowners insurance carrier ASAP if you haven't already. You should not be discussing this matter with the claimant's attorney. Any information concerning the dog and/or the situation that you've provided to the attorney will likely be used against you later on. If a lawsuit is filed on this matter, your insurance carrier will hire an attorney to defend you. The more you chit chat with the other attorney, the more likely you are to harm your defense. It's also possible that if you harm your defense by delay in giving notice to your insurance carrier that they could deny you coverage and refuse to defend you. Clearly that's not in your best interests. Turn this over to your insurance carrier and let them handle it. The carrier will ask if you authorize them to inform the claimant's attorney as to the amount of your policy limits. You should say okay, since it helps with handling/assessment of the claimn. Then wait for the insurance carrier to tell you what to do next.
[Please note: This answer is for informational and educational purposes only and is not to be considered as legal advice. Since all facts are not addressed in the question, this answer could change depending on other significant and important facts. This answer in no way constitutes an attorney-client relationship.]
It sounds like your insurance company has sent you a letter asking for your permission to release the limit of your liability policy. As a plaintiff's attorney, it is standard procedure to request the policy information from the insurance carrier. I see no harm in disclosing the limit. The claim is worth what it's worth and your insurance company will defend you should a lawsuit be filed. I would disclose the limit and let your insurance adjuster handle the claim.
Get free answers from experienced attorneys.
25,247 answers this week
2,805 attorneys answering
Don't speak legalese? We define thousands of terms in plain English.Browse our legal dictionary