Legal Question in Personal Injury in California

Let the insurance company deal with it. In all probability your son has nothing at all to worry about except, of course, the possibility that his insurance premium will go up.

The lawsuit is filed against your son and not the insurance carrier, which will provide an attorney at no cost to your son. The insurance company has an obligation to its insureds to try to settle a case within policy limits. Most plaintiff attorneys are willing to accept the policy limits and not try to go and get a judgment for the excess amount because it is so difficult to collect against a wage earner. If the current demand is $18,000, your son has a $15,000 policy limit [he should get higher coverage and include un-insured and under-insured coverage which does not cost that much more], the case will eventually [within a year of filing suit or earlier] settle for no more than the policy limits. Your son merely has to co-operate with his insurance carrier. His is a very typical case and he may be contacted only to get his version of the accident and to be told the case has settled.