You should let your insurance company defend you, as they are required to do. That a person comes back later and claims to be injured is not uncommon. The insurance company has every incentive to prove the other driver was not injured in the accident so it doesn't have to pay on the claim. I know this is stressful, but try not to worry. If the accident was only a minor fender-bender, you will be OK.
I agree with my colleague, if you have suffered an injury, your first priority is receiving the medical care you need. Then go see a personal injury lawyer to discuss your claim as soon as you can. Good luck!
I agree with the other attorneys on this forum that an insurance company denial is not unusual and is not the end of the road. Consult with a personal injury lawyer who can present your side of the story and protect your rights. Sounds like the police report supports your claim, so you may have a strong case. Also, I hope you are getting the medical care you need for your fractured hand. I wish you a speedy recovery and best of luck with your case.
You should make an appointment with your attorney as soon as you can. Ask her or him the status of your case and when you should expect resolution. Five years is unusual, but is possible, particularly if serious injuries occurred and the insurance companies are denying coverage. Like the others on this forum, I hope a lawsuit was filed before the two year statute of limitations expired. Good luck!
I agree with my colleagues, you need to have a lawyer review this matter. Your attorney can determine whether the underlying judgment is valid and if procedures were properly followed. Also, if your husband reported the accident to his insurance company and it failed to properly respond, he may have a cause of action against the company. I wish your husband the best of luck!
I recommend you schedule an appointment with your attorney to discuss your concerns. She or he might have a reason for the specific approach or may be unaware of some of the facts of your case. Your communication may be enough to satisfy your concerns or to prompt further action by your attorney. If you are still unsatisfied, consider getting a second opinion and possibly retaining a new PI lawyer. Good luck!
The insurance company has a duty to conduct a timely investigation and make a timely decision regarding your claim. Failure to do so is considered bad faith under Texas laws. A qualified personal injury lawyer can assist you in establishing a bad faith claim.
In addition, your lawyer can investigate who was liable for your accident. Sounds like the motorist acted negligently and you may have a valid claim to recover under her or his insurance policy. You may be entitled to compensation based...
There are two separate issues here — one personal injury and the other criminal justice. Regarding your personal injury claim, you may be entitled to compensation from the at-fault parties’ insurance companies. Not having insurance complicates your claim, so I suggest you contact a personal injury lawyer right away.
You also say there were 10 witnesses to the accident. Hopefully, you obtained their statements or at least their contact information. And hopefully, you also have a police...
Report the accident to your insurance company and let it go after the driver and her or his insurance company. After all, that is why you pay the premiums. If you were injured, get the medical care you need and, I agree with my colleague, contact a PI lawyer. A PI lawyer will typically handle your claim on contingency and can be instrumental in recovering the damages you are entitled to. Good luck!
No, you are not at fault. I just represented a client several hours ago in a similar situation where this young man (age 17) never had had a driver's license and another car ran a light and caused a collision. The adjuster tried to argue that point and I told him I would keep that out of evidence in court. He then made a settlement offer on the case. But yes, you should seek medical treatment if you are injured and consult with an attorney.