If you haven't already, you need to contact your insurance company and tell them to handle it. If you go with your own attorney and do not give your insurance company an opportunity to settle it, they might say that you are on your own ($$$). Ultimately, (if you lose), your insurance company has to pay (unless you refuse to give them an opportunity to "take care" of the lawsuit). I was a party to an accident 14 years ago and the other driver was clearly in the wrong but their insurance company refused to pay. But I had a police report (no fault assigned) and the other party (to my exasperation) sued me. Forwarded to the insurance company and after a few months of discussions (and a countersuit from my insurance company) with the other party (attorney to attorney), the case was dropped. My full coverage took care of my total loss but I had to take care of the deductible. I did not get a 3 year increase in premium due to the stand that my insurance company took that I was not in the wrong. Contact your insurance company and ask them what information you need to provide them immediately. Good luck.
