I currently reside in the Pgh Pa. area. On the 23rd of this April I was struck from behind while stopped at a red light. I was rearended once before in Nov. of 97 in Jax Fl.. which resulted in cervical disk disection surgery. I settled that case 2 years ago, and havn't needed treatment for my neck since 99.
Due to this most recent accident, the natural curvature in my spine has been knocked out. I went to the emergency room after leaving the scene. I have terrible pain in my neck and low back and the numbness has returned to some of my fingers. I start Physical therapy tomorrow and have an MRI scheduled. The at fault driver who hit me, and I, both have nationwide as our Insurance carrier.
My vehicle is/was a spotless 1998 Pontiac Bonneville SSEi.
3000$ initial damage estimate from the adjuster. It goes in for repairs in 2 weeks.
My questuions are these:
Can Nationwide drop me if I have to sue the other driver since we both carry insurance through them? Can they raise my premiums? They have told me that everything is being paid through the other drivers policy.
I do not want another protracted 3 year court battle. I don't want to have to sue. How can I recover the loss of my vehicles valuation now that it will show up on car fax as a wrek? What's the best way to collect what I am entitled to without sueing?
Lastly is it generally harder or easier to resolve these types of cases when both drivers have the same ins. co.?
Thanks for your time and consideration.