Auto Insurance Discuss

I was in an auto accident. It was not my fault, I was hit in the back and she acknowledged to not paying attention and it is written on the police report. The main thing is, she has no insurance at all and not only that, she was driving on a revoked license with expired tags too! My car is totaled and I refused the ambulance to take me to the ER but my mother took me to the ER right after the accident and they said I pulled a muscle in my back and they have me on pain medications as well as muscle relaxers! It has been for days since the accident but I am feeling sorer than before! I go to my primary doctor tomorrow morning for a follow up & I am going to ask her if a chiropractor is necessary. My question is, should “I” get an attorney for my injuries? I am not sure about this since this is “MY” insurance company. They said my car is a total out but I don’t know if they will try to “SETTLE” with me since they are my insurance company or do I still need an attorney?

I don’t have uninsured motorist property damage but the damages are covered under my collision. I also have uninsured motorist BODILY injuries though, if that helps.

To end it: I’m not trying to sue the woman who hit me, nor am I trying to make false claims. I am simply sore from the accident & I have a pulled muscle. I need info if I should worry about MY insurance co. Or do I need a lawyer or trust my company. That’s all! I’m not suing happy at all. Just a full time student who works full time too who lost my car & I’m pretty damn sore!!!

Answer:

Three things:

1. Talk to the police about getting compensation.

2. I suggest getting the attorney. I was in the exact same situation, and what will happen is this: your insurance company will pay for your medical expenses temporarily, then will make an excuse to stop and will “settle” with you for less than you deserve. I almost guarantee it. Odds are it will take several months, maybe even longer, to fully recover from your accident. Your insurance company will only give you a few weeks before their “expert” looks at you and miraculously finds you completely fit- despite the lingering pain and muscle problems.

3. If all else fails, you could try suing the driver of the other car! Try #1 and #2 here, first. Odds are the lady doesn’t have a dime anyway.

Good luck!