Is a second lawyer necessary to represent us regarding an accident if policy limits were exceeded?

Question Details: I have a question about an accident that my wife had. She rear-ended a truck and there was no visible damage to it. The police report was rated the incident at 0-1 on a scale of 0-5, air bags did not deploy on either vehicle and both drivers drove away in their own cars. Now the other driver is suing us for $100,000 and no more than $200,000 because she couldn't settle with the insurance company. She claims that she had a personal injury from the accident but I honestly think that she is just trying to make money out of it. We faxed all the lawsuit papers to the insurer as told and now they hired a lawyer to represent us. They say that if we want to hire our own lawyer to work along their lawyer we can do so because the lawsuit exceeds the policy liability limit as I only have the minimum required by state law. Do you think that it would be beneficial for us to hire another lawyer to work along with the insurance provided lawyer to represent us because of the liability amount? If the answer is yes, how much do you charge or is this a per hour basis and is there a price cap and do you have any idea on how much this would cost us? I really don't want to make the extra expense if you don't think it is necessary.

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