Follow the advise of Attorney Schoen. You may have difficulty getting fair value for your vehicle. The laws favor the insurance companies. If injured get appropriate medical care. Most importantly, stop speaking with the other insurance company. As an aside, the fact that this person may have been driving while intoxicated does not in and of itself mean that he/she is at fault for the crash.
Personal injury cases only; I'm good at it; you be the Judge! All information provided is for informational and educational purposes only. No attorney client relationship has been formed or should be inferred. Please speak with a local and qualified attorney. I truly wish you and those close to you all the best. Jeff
Here are a few suggestions. First, continue getting medical treatment for your injuries. This will accomplish a couple of things -- it will help you heal quicker and it will document the extent and nature of your injuries. Second, because the collision was caused by a drunk driver, your case has a higher settlement value than a regular case. Because of this, you should speak with an attorney right away -- most attorneys offer free consultations. Third, insurance companies will negotiate a little on property damage claims. Most lawyers will help you through this process too.
First of all get the medical treatment you need. Many time injuries manifest themselves days and weeks after the initial trauma. Then hire an attorney ASAP. Remember the insurance company is not your friend. Does the fact that you can't replace your car by the amount they offered, tell you anything.
I thought Mr. McCabe laid out the answer well. Continue treatment and consult a personal injury lawyer. There is no reason you should get dime less then the actual value for the vehicle. Good Luck!
You are entitled to the Fair Market value of your car. You do not get replacement value. You should hire an experienced personal injury lawyer to help maximize your recovery for your personal injury claim.
Sign up to receive a 3-part series of useful information and advice about personal injury law.