If the claimed damages exceed your policy
limits you could be held personally accountable for any amount above the policy limits.
If you had a green light and she entered the intersection when the light was yellow, it would seem that there may also be an issue as to if you were at fault. Or the other driver may be partially responsible. So if you have questions regarding this there is no downside in contacting an attorney on your own and having them review your situation in detail.
If your insurance
company is going to settle the case for the policy limits, you will want to make sure that you are released from any claim for excess damages. Usually to accomplish this the person claiming injury wants to make sure there are no additional policies that may cover the situation. Again, if you have specific questions about the form, having an attorney review them with you makes sense and is the prudent thing to do.
I hope that I have answered your question. Please let me know if you have more questions or need more information.
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