I WAS HIT NOW WHAT DO I DO??

[DOWN2SPARK]

ON MY WAY TO WORK A WEEK AGO I WAS HIT BY A GUY WHO RAN A RED LIGHT. HE DID A GOOD AMOUNT OF DAMAGE TO MY CAR. THERE WERE WITNESS'S AND I GOT THEIR NAMES. I GOT ALL HIS INFORMATION, THEN WENT TO THE POLICE STATION TO FILE A REPORT. I THEN CALLED MY INSURANCE COMPANY TO LET THEM KNOW THE SITUATION. I CONTACTED HIS INSURANCE COMPANY AND WAS TOLD THE ADJUSTER WOULD CONTACT ME IN 48 HOURS. WHEN I WAS NOT CONTACTED I CALLED AGAIN AND WAS TOLD THE ADJUSTER WAS ON VACATION AND WOULD BE BACK IN A WEEK. I WAITED A WEEK AND CALLED AGAIN, MEANWHILE KEEPING IN TOUCH WITH MY INSURANCE, AND WAS TOLD THAT THEY WERE LOOKING INTO THINGS AS THEY THINK THEY DIDNT COVER THAT PERSON AT THAT TIME OF OUR ACCIDENT. I WASNT AT FAULT IN THIS AND I DONT KNOW WHAT TO DO NEXT. DO I NEED A LAWYER? DO I LET MY INSURANCE HANDLE THIS? OR DO I SUE HIM? I HAVE BEEN SEEING A DOCTOR AS THE ACCIDENT HURT MY BACK AND NECK. I HAVE NEVER REALLY BEEN IN ANY MAJOR ACCIDENTS LIKE THIS SO I AM NOT SURE WHAT MY NEXT STEP SHOULD BE. PLEASE HELP. ANY ADIVCE IS GREATLY APPRECIATED.

 

[lawrat]

I am a law school graduate. What I offer is mere information, not to be construed as forming an attorney client relationship.

Read: go to the freeadvice.com homepage and look under accidents and read auto accidents.

Yes, at this point, if his insurance doesn't cover him for some reason in his policy, you will need to sue him to collect all of your damages, which are:

1) CAR REPAIR/REPLACE
2) MEDICAL BILLS (PRESENT AND FUTURE)
3) PAIN AND SUFFERING: it is always a good idea to keep a daily log of your pain to keep track to show the court/insurance company proof of the amount you ask for.

 

[DOWN2SPARK]

THANK YOU LAWRAT FOR THE ADVICE....THE PART OF KEEPING A LOG OF PAIN AND SUFFERING WAS SOMETHING I HADN'T THOUGHT OF. I APPRECIATE THE POST.