The injured sued me and the insurance company to the court, and the insurance company issued a lawyer. I have three risks. Ask me if I need a lawyer.

Since the extent of the accident does not involve criminal responsibility and the amount of third party insurance is sufficient, you don't need to hire a lawyer in this case. After the court's decision, the insurance company must make compensation according to the contract. Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.