My coverage is 100/300. The person I rear ended has 22K in medical costs at this point (accident happened 3 months ago). Attorney for Plaintiff (no suit yet) has made a policy limits demand. What should I do to protect myself if my insurance denies this demand and leaves me at risk if a later judgment exceeds my limits? What should I do to make sure a bad faith claim, or the potential for one, keeps my claims rep having my best interests in mind? A little off topic but does the size of the settlement affect my insurance rate?
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