抱歉我的帖子比较长。第一次发贴，总想写的详细些。
我于2007年8月份在拉斯维加斯遇到一起车祸。我在公路上左转准备进入一个加油站时（不在路口），被一辆在对面车道上行驶的车撞到车的右后部。对方的车损失较重，气囊打开了。对方的车上只有一位女士，当时并没有看出受伤。没有叫救护车。警察勘察过现场后，认定责任全部在我 （unsafe turning movement. Failed to yield right of way. Turning left into private driveway resulting in collision.）。事故发生后，对方声明受伤严重。我的保险公司同意赔偿我的保险限额，但是对方要求的比我的限额高。发生车祸时，我驾驶的是租的车（Alamo）。根据内华达的法律，当租车人自身的保险额度不够赔偿车祸损失时，租车公司有义务赔偿多出的部分。但现在租车公司拒绝赔偿，因为它认为对方在车祸中也有过错。我的保险公司今天给我发了一封信，通知我对方的律师将告租车公司和我。 我附上保险公司的信。
We are currently handling the claim presented against you for damages sustained in the incident on August 1, 2007. We wish to advise you that a lawsuit may soon be filed against you.
Please notify us immediately if you receive a lawsuit. If a response to the lawsuit is not filed on your behalf within a limited period of time, a judgment many be rendered against you. You quick response will allow us to retain an attorney to represent you.
We have offered your policy limit of $15,000. The attorney of Ms…. has accepted the policy limits but will not sign the release because Alamo is listed on it. Per Neveda Law Alamo Rental Car has to pay up to $15,000 in injury coverage if the renter’s insurance is not enough to pay the entire claim. Alamo is currently denying payment because they feel that Ms…. is partially at fault for the accident. Progressive is not in agreement with this stance. The attorney for Ms…. doesn’t have any other option but to file a lawsuit against you and Alamo. They are trying to get Alamo to pay their portion of the claim. Should Alamo continue to deny payment and the lawsuit is filed, you will be served with the lawsuit. It is important that you call Progressive immediately. We will hire a defense firm to represent you. Again the issue is Alamo’s unwillingness to pay on this claim. We will do everything in our power to protect your interests.
Thank you in advance for your attention to this important matter. If you have any questions, please contact us.
我不知道对方要求多少赔偿，我会尽快和我的保险公司联系。
我有以下问题想请教老猫，
1． 如果Alamo拒绝赔偿，是不是我必须赔偿对方超过保险额度的损失？
2． 即使Alamo赔偿，对方如果要价高过Alamo的额度，我是不是还是有义务要赔偿超出的部分？
3． 我需要雇一个自己的律师吗？还是全权委托我的保险公司(progressive)呢？
非常感谢您的时间和帮助！
我于2007年8月份在拉斯维加斯遇到一起车祸。我在公路上左转准备进入一个加油站时（不在路口），被一辆在对面车道上行驶的车撞到车的右后部。对方的车损失较重，气囊打开了。对方的车上只有一位女士，当时并没有看出受伤。没有叫救护车。警察勘察过现场后，认定责任全部在我 （unsafe turning movement. Failed to yield right of way. Turning left into private driveway resulting in collision.）。事故发生后，对方声明受伤严重。我的保险公司同意赔偿我的保险限额，但是对方要求的比我的限额高。发生车祸时，我驾驶的是租的车（Alamo）。根据内华达的法律，当租车人自身的保险额度不够赔偿车祸损失时，租车公司有义务赔偿多出的部分。但现在租车公司拒绝赔偿，因为它认为对方在车祸中也有过错。我的保险公司今天给我发了一封信，通知我对方的律师将告租车公司和我。 我附上保险公司的信。
We are currently handling the claim presented against you for damages sustained in the incident on August 1, 2007. We wish to advise you that a lawsuit may soon be filed against you.
Please notify us immediately if you receive a lawsuit. If a response to the lawsuit is not filed on your behalf within a limited period of time, a judgment many be rendered against you. You quick response will allow us to retain an attorney to represent you.
We have offered your policy limit of $15,000. The attorney of Ms…. has accepted the policy limits but will not sign the release because Alamo is listed on it. Per Neveda Law Alamo Rental Car has to pay up to $15,000 in injury coverage if the renter’s insurance is not enough to pay the entire claim. Alamo is currently denying payment because they feel that Ms…. is partially at fault for the accident. Progressive is not in agreement with this stance. The attorney for Ms…. doesn’t have any other option but to file a lawsuit against you and Alamo. They are trying to get Alamo to pay their portion of the claim. Should Alamo continue to deny payment and the lawsuit is filed, you will be served with the lawsuit. It is important that you call Progressive immediately. We will hire a defense firm to represent you. Again the issue is Alamo’s unwillingness to pay on this claim. We will do everything in our power to protect your interests.
Thank you in advance for your attention to this important matter. If you have any questions, please contact us.
我不知道对方要求多少赔偿，我会尽快和我的保险公司联系。
我有以下问题想请教老猫，
1． 如果Alamo拒绝赔偿，是不是我必须赔偿对方超过保险额度的损失？
2． 即使Alamo赔偿，对方如果要价高过Alamo的额度，我是不是还是有义务要赔偿超出的部分？
3． 我需要雇一个自己的律师吗？还是全权委托我的保险公司(progressive)呢？
非常感谢您的时间和帮助！
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