Q: Hi, this is a personal injury question. I backed into the rear passenger door of another car at about 2 mi per hour.

A: MORE INFO NEED BUT THERE IS LITTLE CHANCE SHE WOULD EXCEED YOUR LIMITS.

THERE ARE LOTS OF OTHER REASONS FOR NOT RETURNING YOUR CALLS

A: Your insurance company should handle it for you. If she did get an attorney they most likely would tell her not to talk to anyone. In the future you need enough coverage so that you don't worry when you get in an accident. Let your own insurance handle it and periodically check in with them if you have any concerns.

A: Rarely do attorneys look to collect more than an insured's policy limit. That said, if you have any assets at risk you should look at increasing your policy limit because people are not required to accept your policy limit to settle the case. Although that won't help you with this wreck, it will help you in the future.

Low speed collisions can cause significant injuries, but insurance companies are loath to pay a lot on these claims because they know juries doubt that serious injuries are caused by low speed collisions.

If I were in your situation, although it may be difficult to stomach, if the other person makes a personal injury claim, I would tell my insurance company to "settle the case within the policy limits." This is how you get them to protect you and not expose you to paying something in excess of the limits. On the other hand, the more you fight for your position, the more the insurance company wants to help you fight. But fighting in the end might be the bigger risk to you because you could end up paying an excess judgment if you didn't pressure your insurer to settle the injury case.