On Sunday, October 25 2009, I drove to Houston to take my 9-year-old daughter to the zoo. We were stopped at the red light awaiting the turn arrow when an Acura SUV rammed my Ford Ranger from behind at about 30- and 40 mph. My truck was projected 6'-10' ahead into a Chevy SUV despite my foot being on the brake. A police report was filed and the Acura driver was ticketed. I have not been able to speak to either insurance company about my need of truck repairs and medical bills reimbursed. My insurance agent informally said I would receive negative accident points from my very own insurer so try not to deal with them. What can I do to have my bills paid and to not have my good driving record compromised. I thank you for your interests and efforts.