What to do if I was involved in am accident where I hit a motorcycle and the driver was injured?

The extend of his injury, weekness in one arm. I have insurance coverage up to 100K. If the award is higher than 100K are any of my personal assets subject to collection?

Asked on March 6, 2013 under Personal Injury, California

Answers:

Catherine Blackburn / Blackburn Law Firm

Answered 7 years ago | Contributor

Your personal assets could be subject to collection, but it is a long path from here to there.  Your insurance company will attempt to settle the claim and, if this is not successful, will hire a lawyer to defend you.  It is likely that the insurance company will settle this claim for your policy limits or less.

For peace of mind and protection of your assets, you should seek "personal counsel."  Personal counsel is your own lawyer who will monitor the work of the insurance lawyer and insurance company to make sure they protect your interests.  Personal counsel is not your main lawyer and will not cost anything close to what the main lawyer will charge your insurance company.  The job of personal counsel is to make sure your insurance settles the case without putting your personal assets at risk.

I suggest that you speak with a couple personal injury lawyers who ordinarily represent the injured party (plaintiff) to find someone who will serve as your personal counsel.  Plaintiffs' personal injury lawyers are accustomed to being adverse to insurance companies.


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