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Should I hire a personal lawyer on top of my insurance appointed lawyer?

Question Details: I rear ended someone 3 years ago and the case is now coming up for trial next month. People are telling me I should hire my own personal lawyer to represent me in case the amount awarded goes above my coverage. At the time of the accident I was on my parent's insurance which was the state minimum requirement of liability only coverage. From what I know, the person I rear ended is claiming this accident worsened a previous injury from a previous accident she was involved in, so she's claiming personal injury, losses, etc. I have not yet been given any information on how much she is trying to sue for. Should I hire a personal lawyer before this initial trial or wait until after this trial to see if she is awarded more than I'm covered for, and then look into hiring someone else to represent me?

IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.