Q: Im being sued by another insurance co due to auto accident, do I need a personal lawyer to represent me?
My auto insurance didn't cover the full amount of her auto damage. I was at fault due to me rear ending her. My car was totaled but the other vehicle I hit was driven from the scene. No personal injuries. My insurance company does have a lawyer but not sure if they are protecting me or just my insurance company.
A:
If you have property damage coverage and your insurance company has hired a lawyer to defend the case, the lawyer is responsible for defending the entire case, not just the portion of the claim covered by your insurance. You are actually the client being represented, not the insurance company, even for the portion of the claim that is covered by the insurance.
You should feel free to raise your question with the lawyer, and, in fact, you should.
A: Mr. Scoblionko is correct.The insurance company's job is to protect you. If that means settling with her and getting you a release of claims even if it is more than you think it's worth, the release is what it's about.
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