Yes, absolutely, at least assuming the laws of Georgia apply and are similar to those in Illinois.
The liability coverage is paid out to compensate for pain & suffering, lost wages, loss of a normal life, and for medical bills past and future. It is up to the plaintiff/claimant to negotiate liens, medical bills, and pay back any subrogation.
I suggest very strongly your son obtain an attorney, so that he doesn't wind up in a bind with medical bills unpaid and liens unresolved.
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I agree with Attorney Hoffman. You will be on the hook for the balance. It may be time for you to retain an attorney for your son to mitigate further exposure.
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It is very likely, yes. The first thing you should do is to retain an attorney to help you with this. Cases like these can be difficult to navigate on your own and you need to act fast because of how little time you have. You can find many licensed attorneys in your jurisdiction right here on Avvo.
I wish you the best of luck!
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1.) On your facts, the Plaintiff is willing to accept your policy limits. Plaintiff CANNOT sue you once they sign a release.
2.) If for some goofy reason, you were sued, your insurance is obligated to hire an attorney to defend you at no cost.
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You should find out if the release being considered has terms that will have the effect of releasing you, too. Typically, it will release you, as an insured under the policy. Moreover, it is unlikely that you have any potential liability. You are not liable for the torts (negligence) of your son, unless he was acting as your agent at the time of the collision. In summary you are not likely to be responsible, but call a PI lawyer in Georgia and ask. Have a copy of the proposed release when you call her/him.
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