The amount that you are sued for and the actual value of the case are two different things. Have a one on one conversation with both the insurance claims adjuster and the insurance attorney. If they feel that the potential liability exceeds your coverage limit, then retain your own attorney to help you with the case.
I truly wish you the best.
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You have a lawyer, but perhaps the lawyer can negotiate down the amount you owe.
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Since you are currently represented by an attorney, attorneys here on Avvo.com are ethically prohibited from giving you specific legal advice on your claim.
What I suggest you do is request a face-to-face meeting with your defense attorney and review your insurance coverage limits, income and asset situation and determine whether or not it would be appropriate for you to retain personal counsel to represent you in the event your insurance coverage is inadequate.
As a future precaution, I suggest that you sit down with an independent insurance agent and discuss what level of liability coverage and what type of coverage you should have in Florida, given your age, marital status, dependents, income and assets.
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Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received.
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