[onewhippedpuppy]

Originally Posted by gchappel

I guess I may be out of the loop- certainly possible. But isn't the person that caused the wreck- not their insurance company- responsible for your injuries and losses. Can you not sue the individual involved- and let them worry about the insurance coverage. It was their choice to save money and use a specfic insurance company- not yours. I have luckily never had to do this, and I am not a lawyer- but I would sue the individual involved and let them fight their own insurance company. If this is the routine senario- and I am not personally responsible and it doesn't matter to me what my insurance company does or how it pays others involved in an accident, then I am going to drop my nice expensive coverage and go with the cheapest fly by night company that I can find. I pay more to protect myself and my assets- but if there is no personal risk I can go CHEAP!
Gary

Per most policies, if you (the individual) are sued as a result of an incident that is within your coverage, your insurance company is required to represent you in court. So by KT suing the individual, he's essentially suing the insurance company.

KT, I know exactly how you feel. You don't want to be one of "those people" that hire the sleazy ambulance chasing insurance lawyer off of the TV commercials, and instead try to be honest assuming that the insurance company will do the right thing. Sadly, corporate morality does not seem to exist these days, ESPECIALLY in the insurance industry. Too easy to hide behind fiduciary duty I guess.