What is the name of your state (only U.S. law)? Florida
At the beginning of August, my parked car (and two other parked vehicles) were hit. The at-fault person's insurance company said my car was a total loss however since two other cars were hit and the at-fault person has a 10k liability, the 10k would be prorated among the three damaged cars.
(For the record, my car was insured but only with the bare minumum. My policy didn't cover what happened.)
This happened exactly one month ago. I've called his insurance company back since and they keep telling me to wait because they are waiting to hear back from the other two people who are going through their insurance. They told me this process is called subrugation.
I need to fix my car. I am very busy and poor and this has all been a huge inconvenience.
What can I do? Should I keep calling his insurance company even if they tell me the same things? They aren't a major company like Geico, Progressive, etc. They are a small company. I feel like I'm being taken advantage of and I just want this settled ASAP even if I'm only going to get partial payout for my damages anyway. Should I get a lawyer? I'm too broke for one.