I hit a pedestrian last year while making a turn. The weather was absolutely horrible, my side windows were covered with ice and I never saw the person I hit. I wasn't found at fault for the accident, as I didn't get any tickers from the police. My insurance covers up to $50K and according to my claim adjuster, the insurance company offered $20K to the person I hit. They are, however, unhappy with that amount of money and I am about to be served. I know that the insurance company will defend me up to $50K, but what happens if I am sued for more than that? Should I hire my own lawyer as well?
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