I was recently in a car accident. I was takent to ER for injuries. Dr determined that I had no permanent injuries. Just short term pain that would last about a week. Lost time from work. The other driver was clearly at fault, had witnesses and police report. My car is no longer drivable.
Problem:
1. The other driver has some cheap no name insurance company.
2. I called my insurance company, they said it would be easier if I filed a claim directly with the other insurance. They would only recover medical cost and cost of car repair/replacement. Nothing more if I went through them.
I just filed a claim with the other insurance company. Should I get a lawyer to fight on my side or should I try to do it by myself?
I'm thinking about doing it myself first, and if it starts to get complicated, hire a lawyer. Any advice from someone who's been through this?
What kind of settlement should I expect? They're willing to cover car damage, hospital bills up to 90 days and car rental so far, but they asked me to pay for it all till its settled. Is that okay? Will they pay me in the end? How much should I expect. What about Pain and suffering, how much should I expect from that? They're willing to offer me $750 for the pain and suffering. I feel like that's an insult since I almost died, I'm still in pain and was lucky nothing permanent happened to me.
EDIT: CLIFF NOTES:
Got into a car accident. The other driver's at fault. My Insurance was no help. Filed a claim with the other parties insurance. Should I hire a lawyer, go it alone or use my insurance company to fight for me? What should I expect in the end.
Problem:
1. The other driver has some cheap no name insurance company.
2. I called my insurance company, they said it would be easier if I filed a claim directly with the other insurance. They would only recover medical cost and cost of car repair/replacement. Nothing more if I went through them.
I just filed a claim with the other insurance company. Should I get a lawyer to fight on my side or should I try to do it by myself?
I'm thinking about doing it myself first, and if it starts to get complicated, hire a lawyer. Any advice from someone who's been through this?
What kind of settlement should I expect? They're willing to cover car damage, hospital bills up to 90 days and car rental so far, but they asked me to pay for it all till its settled. Is that okay? Will they pay me in the end? How much should I expect. What about Pain and suffering, how much should I expect from that? They're willing to offer me $750 for the pain and suffering. I feel like that's an insult since I almost died, I'm still in pain and was lucky nothing permanent happened to me.
EDIT: CLIFF NOTES:
Got into a car accident. The other driver's at fault. My Insurance was no help. Filed a claim with the other parties insurance. Should I hire a lawyer, go it alone or use my insurance company to fight for me? What should I expect in the end.