My question involves an injury that occurred in the state of: Indiana
I owned a restaurant that closed near the end of 2012. While the business was still in operation, if I recall correctly, sometime in 2011, a customer fell on a single step down, and broke a few bones in her leg, which she had just stepped up on to minutes before so she was quite aware that the step was there. There were also "Watch your step" signs. At the time it happened, I called my insurance agent, just to let them know what had happened, they told me to let them know if anything came of it. Several weeks later, I get a call from the local hospital. They ask if I was the responsible party for her bill. I gave them the name and number of my insurance company. The insurance company hired a third party investigator that came to my business and did an investigation. Looked over the area, took pictures and took my statement. A few days later he filed a report with my insurance company stating that there was no negligence on my part and I was not at fault for her injuries. I thought case closed. On top of that my insurance company offered her $5,000 as a good faith thing. (Not sure what this was actually called.) Months later I received a letter from a lawyer that she had retained stating that they intended on filing suit for her injuries. I gave the letter to my insurance company, they said they would take care of it, that that's what I pay them for. Once again, I thought, Case Closed.
Today I find that a civil tort case was filed on 11/25/2013 against me.
1. Does she even have a case against me considering I wasn't even found at fault?
2. Will the insurance company still represent me considering I am no longer a client, but the accident did happen while my policy was still in effect?
Thank you in advance for your help!