My question involves an injury that occurred in the state of: CA
I had a car accident about a year back, where I was at fault and two people were injured including a minor. I have been sued, and the case is now going to a jury trial; because the plaintiffs did not accept the settlement amount offered by my insurance company (maximum policy limit for bodily injury for each person). The insurance company tells me that at least for the minor, the claim amount will be much bigger than my policy limit (claim amount is unspecified so far). I asked if I should hire my own attorney and was told, that if I do, they cannot help me. They assured me that their attorney will represent me and try his best to keep our liability to a minimum. Is this the normal procedure when the claim amount is expected to go far beyond the policy limits ? Will the insurance company attorney actually work in favour of the defendant, even though they know they are not liable for the amount over the coverage limits ?
Is there anything I can do to reduce my liability ? The insurance company also advised me very strictly not to discuss this case with anyone outside this case, including other attorneys. Please let me know if I should just let them handle the case and not look for other legal advice regarding my defense. Any help will be appreciated. Thank you very much.