What is the name of your state? NJ
I have a friend whose car got hit by another car, police arrived and made report and said it was 100% fault of the other driver. Both have the same NJ Manufacturer's car insurance. Since she does not have collision coverage and the car was considered totalled (towed away), she had to rent a car and get new car seat for toddler and eventually will have to buy another car. There were no significant personal injuries and the other car (SUV) was hardly damaged. How does she go about getting reimbursed for the damages since she does not have collision coverage? Does she need to obtain a lawyer or can she file and fight for claim herself given that it is the same car insurance that the other driver has? Thanks again for any help.