If you have liability insurance, your insurnace company should be defending you. The first thing is therefore to make them aware of the lawsuit--call them up, send them a copy of the papers, etc.

If they refuse to defend you, check your policy again--if you were paying for liability coverage, you should be getting their defense. Make sure you were buying the coverage you thought you had.

(Also, remember your deductible--you need to pay up to the level of the deductible, if sued and you lose or settle.)

Notify your insurance company. They will have their attorneys appear on your behalf and defend the claim.

Anthony J. Loscalzo