Originally posted by Arrian
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1. The proper response, if a claim against the other drivers is indeed proper in this case, is a counterclaim, rather than a cross-claim. A cross-claim is a claim made by one party against another party on the same side of the v., i.e., defendant against a co-defendant or plaintiff against a co-plaintiff. A counterclaim is one made by a defendant against a plaintiff.
2. The insurance company will most likely advise you to find your own lawyer in order to pursue a counterclaim. The defense it's obligated to provide is just that, a defense on the claims against you. When I was in a staff counsel office, we never went further than advising the outside client that he may have a counterclaim, and that if he did, we couldn't handle it for him. This may apply to cases the insurance company retains outside counsel for, but I'm only going as far as cases assigned to staff counsel here.
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