My question involves an injury that occurred in the state of: NJ 1 year ago
I am a resident of TN and just today have been served with papers about injuries suit to Superior Court of NJ. I don't know if my liability limit (25k) will cover lady's expenses/expectations that she is claiming.
Accident was minor rear bumper dents and she said she was fine to me and to police officer. But I don't know what's on their mind so I would like to take steps to protect my assets (my car that is paid for - that's all I have - we are a family of 4).
1. So my question is - do I need an attorney in TN where I reside or in NJ where the court takes place?
The attorney of the lady contacted me directly with letter requesting me to put him in contact with my insurance company, which i did - this happened 6 months ago.
2. Now, that I'm being served with official Summons and Complaint papers - does that mean that they just didn't work it out with insurance one on one and are going through court? I this does not mean that they are done with insurance and now are going after me..?
So right now all I'm required to do is to contact my insurance company about the papers I received so that they work on them with their own attorney, right?
Also, I received few letters from my insurance company 6 months ago that they are happily handling my claim and everything will be alright.
3. Does that mean that they were working only on car damage claims at that point? Please tell me that standard way for insurance to start working on injury claims - is to get a letter from me about complaint and summons?
Thank you
P.S. In complaint letter they described the accident as brutal reckless hit but it wasn't, and they say that she had many external and internal injuries and nervous system damage and is having a lot of expenses on doctors and medications. Are they just exaggerating to get higher settlement?
4. Will insurance attorney be able to dismiss such an outrageous lie about external injuries? Thank you

