If the other driver doesn't have insurance then your options in this scenario (no insurance on either car) are to try to settle directly with the other driver (or his parents) or sue the other driver and get a judgment against him. If you go to court and win (get a judgment) you can then take actions to collect on it, such as garnishment of wages. You may have a difficult time hiring a lawyer to represent you in this case, but it is worth talking to some personal injury attorneys in your area.
Your niece likely has a claim against the truck driver if what she says is true. Did the police come out to the scene and investigate this collision? I would be curious what conclusions the police made in their report because there must be some reason the trucking company believes they have a claim against your niece.
Call a personal injury attorney right away so he or she can start investigating the case and also answer the newly filed lawsuit
You should feel somewhat lucky that the police continued to investigate the case and obtain the witness' statement that showed the other driver clearly at fault. That doesn't always happen.
You need to determine the fair market value of your car at the time of the collision. There are basic online calculators (such as Kelly Blue Book) that can give you a general idea of the value.
You should also contact an attorney to help you through the process. If you were injured, it will be easy to find...
My first question is why were you or your company a no-show after being served with a lawsuit, especially since you have insurance? Were you ever served with the summons and complaint? If yes, did you contact your insurance company? You need to contact your insurance company and get them involved right away. They should provide you with a lawyer and he or she may be able to get the default judgment vacated.
It is strange that your license was suspended. I can only surmise that the DMV got...
In addition to the other comments, I would contact your loan company and let them know what happened if you have not already done that. They might have some helpful information and they might assist you in obtaining information from your insurance company since they have an interest in the outcome.
I would seek the assistance of a probate lawyer who can evaluate whether there was some wrongdoing in the handling of your grandmother's estate. This is assuming there was even a probate, which is where the estate is distributed with court intervention. No matter what, you need a probate lawyer to look at the evidence that you have that the will was "messed with." Before you call a probate lawyer and spend some money on an attorney, make sure that you gather all the facts and documents that...
In addition to what the other attorneys said, you may have an uninsured motorist claim for your property damage and your injury claim if you have one. Generally, your deductible is lower for an uninsured motorist claim. However, it is imperative to contact the police and file a hit and run report.
You can also seek a second opinion (just like a doctor) from another attorney to have them evaluate the settlement if you feel your attorney is not cooperating with you or not giving you all the information you need regarding the settlement. You may get charged an hourly fee for this, but it may be worth it to get some peace of mind regarding your final decision.
The first question I have is, did the car coming from your left have a stop sign as well. I assume that it did not, since the police issued you a citation. In general, if you have a stop sign and the other car does not, you must yield to oncoming traffic. You mentioned that two witnesses gave you their contact information. What did they say? The testimony of an objective witness carries a lot of weight (much more than the drivers of either car), so what those witnesses say about the accident...
I assume that the police were called and a police report was made. That is usually a prerequisite for an uninsured motorist claim where there has been a hit and run. Hopefully, your son has uninsured motorist coverage on his automobile insurance. That may be the only chance at a recovery for his injuries if they do not find the other driver. Be sure to call a personal injury attorney right away to help you with these issues.