You are suing her. Her insurance company will be defending her through her insurance policy. The insurance company will be responsible for paying you any damages agreed to or awarded by the court. However, the insurance company will only have to pay to the limit of their coverage. If your damages are more than that you can pursue collection against her individually, but that is usually difficult. You have an attorney and should discuss your concerns and questions with him/her.
I am sorry about your accident.
The insurance stands in the shoes of the other driver up to the amount of the policy limits, so most likely you cannot sue the driver for funds if the there is adequate insurance.
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Only one case. Your lawyer is pursuing the claim, so contact your lawyer with any questions.
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Your claim will always be against the other driver because she is the wrongdoer who caused you injury and damages. Her insurance company will handle the claim and represent her. They are only responsible to pay up to the limits of their insurance coverage. If a jury were to return a verdict in your favor above the limits of the insurance policy, then you would have the option of pursuing the amount over the insurance policy against the lady individually. As others have said, that is usually pretty difficult.
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