Okay, so lets say you get in an accident and you get sued. Your insurance company is defending you and you have been an avid reader of my blog, so you know what should happen. Can you supervise the defense of your case?
Yes, you can be involved. However, your insurance policy probably does not let you take control of your defense.
I know, but it is not fair. What if you get sued for a lot of money? What if you get sued for more than your insurance limits?
What you may want to do is consider retaining counsel, at your expense, to monitor the insurance company and make sure they are acting in your best interest – not theirs. While this may cost you a few dollars, it is better than someone missing something and having personal assets at stake.
Remember, the insurance company still has to put your interests ahead of their interests. So that gives you some protection. But do not be shy in asking for copies of documents and regular updates. The attorney has two clients: the insurance company and YOU!