I had a car accident on sep 25th at 7:10 am. I rear ended a car in a side street. Everything went so fast. Look up my rear mirror and the air back deployed.I didn't have time to break. It was a domino effect. This car crash to another car and a third car was involved.
I was so nervous at the moment, my first accident. I said" I'm sorry it was my fault". Same thing to my car insurance I said" I'm not sure I guess so". The insurance company asked me my speed I said "25-30 not sure" they asked me speed limit I said "35 I don't now now".
Nobody got injured, police didn't do a report or any ticket for me just a service call because nobody was injured.
My car got totaled. We have a leasing car and at first the insurance company told us they settled with the leasing company and the gap insurance covered. It has been a week and they didn't pay the leasing company yet.
The insurance company keep sending me letters with a lot of confusing statements, in on of them they referred that they did an investigation and I am at fault of rear ended 3 cars for unsafe driving due to speeding and more than 1000 of property damage was cause and bodily injury was involved.
You post does not explain what you think your insurance company is doing that is not in your best interest. It sounds like you are clearly responsible for the accident and if your airbag went off and your car was totaled, it was at a relatively high speed, so there is way in the world that you can say that no one in the car you hit was injured. I would be surprised if they weren't injured.
Cooperative with your insurance company and I'm sure they will do their best to get the claims resolved with as little financial impact on you as possible. At this point I don't see a reason for you to get a separate lawyer to intervene.
You are at fault. Your insurer will appoint an attorney to defend you and pay any sums for which you are liable up to your policy limit.
For the property damage to your own vehicle, if you have collision insurance and GAP insurance, you should be compensated for the value of the car, plus any additional sums you owe to the leasing company. The failure of the insurance company to pay within 1 week is not evidence that they aren't acting in your interests.
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Your insurance company will hire an attorney for you. Make sure the insurance company settles the case and gets you a full release.
From your post, it appears you rear-ended a vehicle and possibly pushed it into another vehicle. Your post is rather unclear as to exactly how the accident occurred.
Let your own auto insurance carrier handle this. That is the very reason you pay insurance premiums.
If you are sued by one of the other drivers, forward the adjuster a copy of the Summons and Complaint and any other attached legal documents such as a Request to Produce or Interrogatories, etc.
I would send the documents via overnight express mail, e-mail, or fax and then follow up with the adjuster the following day as there is a limited time for an attorney to file responsive pleadings on your behalf.
Your insurance company will indemnify and defend you up to the limits of your liability coverage and also provide you with a defense attorney at no cost to you. Your insurance company will also pay any and all costs associated with defending you in the lawsuit. The attorney will go over any legal questions you have about proper service and the lawsuit process.
Let your insurance company and the attorney it assigns handle this, as this is the specific reason you are paying insurance premiums.
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