First, people can be injured even if they had no complaints at the scene of the accident. Second, when an attorney files a lawsuit on behalf of a client for personal injuries, the lawyer always sues for more money than the case is worth for legal reasons.
I presume that the injured party has filed a lawsuit seeking more money than your coverage. It sounds like your insurance company is telling you that you have the right to have private counsel because there is possible exposure to you above your liability policy limit. If you cannot afford private counsel, I suggest that you check whether there is legal aid or some other ability to hire a less expensive private lawyer in your geographical area based upon your income. Also, check whether there are local bar associations or pro bono groups in your geographical area that would be willing to help.
Good luck with this matter.
Answered on Sep 06th, 2012 at 1:47 PM