Hello Gentleman,
I am in a rush but I will give you a quick rundown, In the SPF 1 (Insurance wording, that everyone in ALberta abides by) it states that the insurance company is obligated to defend you in a law suit, generally people do not hear about it as many times the insurance companies pay out and move on. A $25000 loss does not affect your insurance any more than $1000 loss, if they are both at fault. This is the first I have heard that the person at the front is 50% responsible, but I am not a claims guy. So Photon, let the insurance company know you have been sued, they probably know already through the claims agreement most companies subscribe to. If these are soft tissue injuries and the guy is just trying to squeeze some money out of you then he won't get much because of the Auto Reform.
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