The policy in place at the time of the accident would govern.
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Only if the damages exceed your $250,000 personal injury liability amount. Stay in touch with your insurance carrier to determine how they are handling the claim.
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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.
You may be sued if the injured party and your insurance company do not settle. Your insurance company will still pay for the law suit. If you are served, send it to the insurance company. I agree that you should keep in touch with them. You have a very good policy limit.
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