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scubasean:I am not so sure that the ins. co. would be a named party...The insurance company merely assumes the liability...It is the parties that go through trial...
I've been a named party in a lawsuit involving a car accident, and my ins. provided the settlement...but the ins. co. was not named. They were bound to my through my policy.
Insurance companies are not named in the action but provide the insured with indemnity when you are sued. IOW, they will pay the bill when you screw up.