If you have an accident, and you file a claim with your insurance company and they agree to whatever coverages at the time. If you get your own lawyer on the case, does it void any coverages you have with the insurance company? E.g, liability for other car, medical bills, etc?

Say the case is taken to court, if I don't win the case do I have to pay for all expenses that the insurance company would have otherwise covered?
Why would you say that about if it's "your fault"? My insurance company wants to take fault, but I don't agree with them.

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