Ugh. Sorry to hear about the lawsuit. You are right that it is extremely likely the lawyers are just shotgunning it, looking for some deep pockets (not knowing who is insured or not at this point) and nothing will come of it but it is still a pain in the ass at the least. Law suits sucks if you are not a professional litigant so I would expect for her, and you, to get pretty stressed out about it whether or not things move ahead.

That is one of the reasons I stopped representing individuals and then moved out of litigation altogether. At the best it is a time and money waster and there is no way around that. At the worst it can be far worse. I actually lost a 4 year relationship once because my girlfriend was suing a former employer.... a suit which she was almost guaranteed to win but it still stressed the fuck out of her. Every morning before I left for work she wanted to talk about it; as soon as I got home she wanted to talk about it, she wanted to talk about it when we had dinner parties.... It was horrible.

Hope this is the last you hear about it or simply have a walk on part in the war after 90 days.