Yes indeed. We must review the contents of the insurance policy, but, initially, the free appointment of lawyers and attorneys is foreseen for the defense of your rights and interests
Yes. We must review the contents of the insurance policy to answer affirmatively to this question, but the general rule is that yes, although it is usual for insurance companies to establish a ceiling to cover the legal defense freely designated by the insured.
The initial response is the insured, but, in the case that a conflict of interest may arise, for example, because the insurance company of the responsible driver is the same as the insured / injured party, the insurer must satisfy all professional fees of the lawyer of free appointment, without limit.
That, within 3 months of the extrajudicial claim, it submits a reasoned compensation offer, if it understands that the liability is demonstrated and the damage is quantified, that it complies with the requirements established by law.
The claim prescribes within 1 year from the accident, when a direct action is taken against the insurance company.
Since liability for traffic accidents is also a case of non-contractual liability, an action can be taken against the insured within 3 years of the accident. The insurance company will also respond, but all the corresponding requirements must be accredited.