The lawyers will work it out with the insurance company. The insurance company will drag it out in the courts as long as possible, then offer a little more. As long as you have liability insurance, you have nothing to worry about personally.
From the above I got the notion the insurance companies are no longer in the picture. But either way, attorneys are attorneys period, and that is a good guess of what will happen.
Personally though your insurance rates will go up and your son will be such an outrageous amount that you will have to drop him or your IC will tell you to drop him.
That is to bad to hear, be thankful you don't live in Boulder or you would not have a chance and likely be sued for more.
it doesn't sound to me like she has a leg to stand on, for crying outloud she WASN"T SUPPOSED TO BE THERE!
Not necessarily. Some laws in some states differ, but a bike is basically a pedestrian, and as we all should know if you run over a pedestrian
even if they are J-wakling is is highly
likely you will be found at fault. If there is a common message of they shouldn't... so I did" people will quickly find vehicular homicide as a accusation in court. That is not rational but as we know people get carried away with ideas and
think they know vs
acutely know become heavily skewed in this society. If there was no ticket issued at the scene to the cyclist, just forget about trying to prove they were at fault. It won't happen.
Due to the fact an attorney is pursuing this, I would be inclined to think they have fully reviewed the circumstances and the cyclist had every right to be there. Unless they were riding in pairs / side by side they are not doing anything illegal. They pay city / state taxes and may have a car as well to directly pay road taxes. This entitles a Bicycle to the right hand lane in Boulder County - not just the shoulder, the whole right lane. If there is no shoulder they have the right to use it as a car would as long as they are not intentionally blocking traffic. "Alternate / suggested" routs are exactly that, they don't HAVE to. And from a point of view of "car vs Bike" it is in the safety interest to give rights to cyclists. Realize that they acutely have to use body energy to get around, where as a car you only have to push the peddle, to have a motorist say anything like "they are in my way" show impatience and irrational thought. It will come down to your son could have waited for a better opportunity to pass. Sorry but that is going to be a deciding factor.
I know that cyclists get carried away - just like motorists - and give a lot of us a bad name. And even though there was a fault of someone it still comes down to the one "in the big thing that can kill easily" and the message it sends to other motorists.
It might not be what you want to hear, and the cyclist maybe totally in the wrong, but that is past now and I suggest taking the sole approach of "the lawsuit is a totally unreasonable amount" and try to get it reduced. Also agree and show remorse - play it up - and don't show any anger at any part of the entire proceedings. Get an Attorney and they will approach it as "prove your life has been altered" and possibly some witnesses to testify they have seen the girl doing exactly that in which she says she can not do anymore. Do not - and I am sure the attorney will also direct - do not try a defamation (can be false or true but malicious is as well) of their character but show delusion with-in their accusation and hope for the best.
They are going to say your son is not skilled at driving or does not show proper knowledge of the vehicle size hence he is endangering the public. True or not, the plaintiff has the upper hand right now.
Ask yourself, could he just have waited to pass. Nothing more to the question. Just that by itself. Now you see why they know they can and will sue with success. It is just that simple.
Sorry this happened, I like your suggestion of getting them off your insurance but it sounds like you will lose some money - I just hope it isn't to much.
And BIKES remember too, it is SHARE THE ROAD, NOT own the road. It works both ways. Nothing I hate more than a self righteous cyclist - well those skateboard punks bug me too.
Also it could be possible to show that the cyclist is exploiting the system, but that is soooo far fetched there is going to have to be something said or "slipped" during the proceedings to prove it even in the slightest. That is really dreaming, but I don't doubt that they are "exploiting" due to her originally planning on taking the settlement from the insurance.
I think she is trying to pull a fast one from the sounds of it, but your son might be at total fault too as far as I know. I have only heard "his" side of the story. And it does not sound like he / you will win this case regardless.
Sorry to be realistic with my POV on the topic. I wish the best and hope this doesn't "hurt" to bad.
All the best that can be expected,
Sean
eta, I just saw you are in San Diego, this is even more likely that the bicyclist is totally in the right to be where they were and the case will go to the cyclist. Bummer.