With your prior problems you need a personal injury attorney. Hopefully they can get some response from the carrier and help you through this...

Do I need to hire my own attorney ?

His insurance should cover you as well

I was in a car accident and he wants me to pay him in cash.

If you have insurance let them handlebit. If not, a standard release from Staples oe Lehalzoom, or even just off the Internet should probably...

Accepting Liability after an auto accident

There are no conflicting statements. They want to look at your car to get an estimate. Once they get in touch with their insured they will work...

Can the driver who hit me from behind be liable?

yes, the driver of the car behind you can be responsible, but it depends on timing. Also, the driver may not be liable as you slammed on your...

Just call the police department that took the report and ask if it is ready.

What should we do?

Report it to your carrier. Unless she is specifically excluded she should be covered. There are a couple of other little things that might effect...

Is there a law that prohibits insurance companies from being arbitrary?

Doesn't sound like discrimination to me but the carriers must comply with the Insurance Code. Not quite sure I follow your scenario as presented....

Can I sue them in small claims court? Don't know what to do please help!

Report it to Animal Control to maintain a record, then take them to Small Claims. Not much more you can do.

How long does it take Elco Insurance to arrange for repairs and compensation for loss incurred because of the accident?

If you have collision coverage with your 9wn carrier you should use it. ELCO is horrible to deal with. insurance companies need to follow...