I presume you were not hurt, so you do not need a personal injury attorney.
You are therefore in a tough place. You may want to pay a civil litigator to get involved and craft a letter to your carrier or any otehr carrier involved.
Best of luck.
In no way am I offering you legal advice, and in no way has my comment created an attorney-client relationship. You are not to rely upon my note above in any way, but insted need to sit down with counsel and share all relevant facts before receiving fully-informed legal advice. If you want to be completely sure of your rights, you must sit down with an experienced criminal defense attorney to be fully aware of your rights.
Insurance companies do not make money by paying claims. Delay and deny are the standard responses, with the intent of wearing claimants down.
You may wish to retain counsel to deal with them. The NJ and your county bar associations can provide referrals.
The foregoing is for general information purposes and does not establish an attorney-client relationship.
Does the accident report cite you at fault? Has your insurance company taken the position that top you were the at fault party, you need to hire a personal injury lawyer if you were injured and they can help you sort out this mess. But first you need to determine who is at fault. You can have a consultation with a lawyer and see if they can help you figure it out. Most personal injury lawyer give a free consultation so it would be worth the time.
I would suggest that you at least talk with a personal injury attorney. Go to the "find a lawyer" tab and look for one in your community.
Sorry to learn. You may want to take your anger to Trenton where these is pending a bad faith bill to make insurance companies in NJ act in good faith or be punished. NJ is one of the few states without a bad faith bill, so insurance companies do what they want to mess with their policy holders and the entire system suffers. For example, there are 60,000 PIP arbitrations filed each year. Those are claims for no fault benefits where your own company turns on you. Keep fighting with us and we can change this.
Please note that these answers are provided as a community service and are not meant to create an attorney-client relationship.
Dealing with an insurance company can often be a real nightmare as you described. You just have to stay ontop of them. Were you injured as well?
If you would like to discuss it further we can speak offline. I can be reached at:
This response is not legal advice and should be considered as attorney advertising. No attorney client relationship has been formed based on this response.
Luckily a couple of the lawyers above have offered to help.
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