Let your insurance company handle the matter. Your case will most likely settle for the policy limits unless you have assets, properties, businesses, etc., in which case you are inadequately insured. If that is the case, you will need to hire a private lawyer. For now, allow your insurance to handle the matter and wait to see if it resolves. Best of luck!
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If there is a chance that the insurance company will not offer what is necessary to resolve this case then you might want to consider hiring an attorney to protect you personally. Some insurance companies, although they won't tell you will protect you in the event of an excess judgement.
Let your insurance handle this. They hire attorneys for this situation daily. Only time you may need to hire personal representation is if the case is worth more than your policy has available.
Let your insurance company handle it. The claims with likely settle for your policy limits. Good luck.
This information is not intended as legal advice or to create an attorney-client relationship between you and any attorney. Such information is intended for general informational purposes only.
Let your insurance company handle this claim. You may consider hiring an attorney only if your insurance company refuses to defend you. Best of luck.
This answer is provided by California Accident Attorney Manuel A. Juarez, Esq., 510-206-4492. Abogado de Accidentes de Autos de California: 510-206-4492. Abogado de Lesiones de Accidentes de Autos, provides answers of a general context. These answers are not intended to form an attorney client relationship. Oakland Abogado Accidentes Autos, Abogado de Lesiones Personales, Abogado de Accidentes de carros, Abogado de accidentes de Peatones, practices in Antioch, Berkeley, Concord, Oakland, Hayward, Martinez, Newark, Richmond, San Francisco and San Rafael. El abogado de lesiones y heridos en accidentes de autos, is licensed only in California. This information is good only in California and it is not to be taken as legal advice on car accidents, personal injury, divorce, bankruptcy or in any other type of situation. Esta respuesta es del Abogado de Accidentes de Autos, Abogado de Lesiones Personales, Abogado de Heridos en Accidentes de carros, Manuel A. Juárez, 510-206-4492. Abogado Hispano de Accidentes, Abogado de Divorcios, Abogado Latino de Accidentes, Abogado de Accidentes de Oakland, Hayward, San Francisco, California. Estas respuesta son solo para información general y no consisten en consejo legal sobre divorcios, mantención de esposas, mantención de hijos o bancarrotas. Las respuestas son comentarios legales que no forman una relación de abogado y cliente. Manuel Juarez, Esq., esta licenciado solo en el Estado de California.
Your insurance company will attempt to settle the matter within your policy limits and will defend you if a law suit is commenced against you. While there is a strong possibility that all claims against you will resolve within your policy limits, you would be well advised to retain private counsel to defend your interests to the extent that you have financial exposure beyond the policy limits. As a practical matter, your private counsel, unless the matter reaches a trial, will most likely be monitoring the activities of the defense lawyers retained by your insurance company, so your private counsel's bill should not be anywhere near as high as it otherwise could be.
Best wishes for a swift and just resolution !
I practice in the State of New York and to the extent this question involves the law(s) of other states, my response should be deemed to be educational only and should not be relied upon as legal advice. Even for matters involving New York law, no response should be relied upon as legal advice unless the person asking the question has consulted with me in a direct consultation. (i.e., in-person or by telephone.)
This is an issue to be handled by your insurance company. If the issue does not resolve, your insurance company will send the claim to an attorney who will represent your interests.
Your insurance policy provides you with two imporant benefits: one is to provide "indemnity" for "covered" claims (which means to pay out money for covered claims against you) the other benefit is to provide you with a legal defense if you are sued for a claim which may be covered. Both are important to you, and both can be work alot of money to you. With the possibility of multiple claims against you, you may not have sufficient insurance to cover the "indemnity" payments for all the claims. The insurance company may try to avoid being required to defend you against all the claims by simply offering up a payment of the entire "policy limits", but this could leave you without a defense attorney paid for by the insurance company. If you are about to be sued, having the insurance company provide you with a lawyer the insurer pays for is a valuable right, which you want to be careful not to lose. If you have assets, or have a job in which you earn a significant amount of money, you could still be exposed to liability and/or a judgment over and above your insurance policy limits. You may want to seek independent legal advice to oversee what the insurance company and its assigned defense counsel do when they are trying to settle the case so that your can avoid being left without an attorney when you may still be exposed to liability.
Every legal dispute has its own particular facts and law applicable to it. The comment given above is based on relatively general information given in this particular inquiry, and therefore the comment gives relatively generally applicable suggestions. The above comment, however, is not meant to be specific legal advice for your particular situation, and is not intended to be an exhaustive analysis of your situation. I cannot and do not give any guarantees about this accuracy of this comment for your particular situation. Unless you formally retain me as your attorney and enter a written agreement with my law firm, I am not your attorney. If you feel you need to retain an attorney, feel free to call me or another attorney who you feel would be appropriate for your needs.
I say let your insurance take care of this matter. And like some of the attorneys said, if you have asset you want to protect, you probably want to hire a private attorney as well in case they go after your asset.
*Disclaimer: This response does not create an attorney-client relationship between you and I. I am not your lawyer and I am not representing you in the underlying issue stated in your question. The response I have offered is not intended to be relied upon, you should seek out an attorney to assist in this matter. You may contact me directly at (415) 362-6765 ext.120; website: www.wc-advocateforjustice.com. (Attorney for Law Offices of William E. Weiss)
Definitely hand it over to your insurance company. Why take a chance, and plus if you are determined to be liable later they may not cover you if you failed to report it --- or timely report it. Provided you have proper coverage, they will also provide you an attorney if necessary. The best thing you can do is report it to them as soon as possible.
If you are inadequately insured, and cannot settle within the policy limits, then private legal counsel should explore the liability of your insurance agent to you for being inadequately insured. If your insurance carrier views your misconduct as criminal/uninsurable, you should hire private legal counsel at your insurance carrier's expense a.k.a. "Cumis counsel".
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