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    cubb20032003's Avatar
    cubb20032003 Posts: 1, Reputation: 1
    New Member

    Oct 4, 2005, 04:36 PM
    Not At Fault Car Accident, What's Next?
    I was Recently In A Car Accident That was not my Fault The Other Driver Took Responsibility For The Accident, But I Have Yet To Hear From His Insurance Company Which He Has Yet To Inform Me Of. The Police Don't Even Know His Insurance Company Either. He Was A Government Official And Driving A Company Car. The Company Car Is Fixed Already And Mine Is Still At the Towing Company Still Way Beyond Repair. My Car Is Undrivable, And I Have Medical Bills. Thank Goodness I Was Not Injured. UnFortunatly I Have Limited Tort. It Seems Like They Are Blowing Me Off. What Should I do?undefined
    LisaB4657's Avatar
    LisaB4657 Posts: 3,662, Reputation: 534

    Oct 4, 2005, 07:50 PM
    Have you reported this accident to your insurance company yet? If not then do so immediately. They will pay off your medical bills, have your car fixed or give you a check and then they will go after the other guy for reimbursement. If you didn't have enough insurance coverage to take care of all of these things then I would seriously consider retaining an attorney to go after the other guy for the additional amount. An attorney would probably take a percentage of whatever you recover rather than you having to pay a legal fee.
    sideoutshu's Avatar
    sideoutshu Posts: 225, Reputation: 23
    Full Member

    Oct 5, 2005, 05:21 AM
    No Fault
    What state are you in? I practice in New York, and I'm not sure what the laws are like in your state, but here, when you get in a car accident, regardless of who is at fault(with some exceptions like DWI) your OWN insurance pays your medical bills. If you have a property damage claim, the other vehicle would be responsible to pay for damage up to his level of fault(note: this is for NY).

    What does the narrative section of the Police Report say? If you have a clear case of liability on the other driver(ie: hit in the rear, blown red light with witnesses, etc.) the opposing insurance company will probably offer you close to 100%(but not all) of the cost of repair. If you have a problem receiving payment for your vehicle, or have injuries that you are still treating for, you should definitely consult an attorney. Send me a private message if you want further advice on this.

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