Obviously, this is a case you would like to handle without attorneys fees. Discuss with your insurance company whether they will be attempting to get your co-pay back. If not, small claims may be an option. Call a local lawyer who hopefully will point you in the right direction with some free advise.
A local car accident lawyer in your area will be able to tell you the statute of limitations and any exceptions for minors injured in an accident. Some states toll the statute of limitations until the minor reaches the age of majority. Other state have a statute of repose limiting the total number of years. A local attorney specializing in car accident will easily answer this issue.
If a car accident claim is not resolved and this request is formally made, it is an indication that a lawsuit has been filed. Service of the lawsuit and summons usually follows. Upon receipt, turn the matter along with the litigation paperwork over to your insurer to defend you. Contact a local attorney if there is an issue of any excess claim or any coverage issue resulting from the car accident.
The questions you have regarding the increase in premiums after a car accident claim is better left to your insurance agent. In Illinois, you can make a claim under your uninsured motorist coverage for your injuries, medical, pain and suffering, lost wages, and etc... You will have to check your policy for the UM Limits, but it is over $5,000.00. Whether you pay medical through health insurance or medical payments coverage in Illinois, in general, those amount must be repaid from the...
Drivers who negligently cause damage to a vehicle are responsible for it. If making a claim against the driver of your own car, the driver may just submit the claim to your own insurance company as he is a premissive driver. If there is no property coverage, then an action against the driver is possible, but collection on uninsured cases is always a problem. Call a local attorney for your options.
This is a cost-benefit analysis. You are suggesting the expensive route when it may be just as easy to submit the claim and settle outside of court. Call a local car accident attorney and see what they recommend in your case.