I am so sorry that you went through this. And the fact that the company at fault is fighting you does not make it any easier. At first blush, it looks like you are being lied to. First, if a company lets its employee drive its vehicle, the company is most likely liable whether their insurance company covers the accident or not. Second, their insurance company will most likely cover your accident. Third, the fact that your driver had no license doesn't absolve the negligence of that at-fault party. Now I don't have all of the facts, and there are some exceptions to the general rules that could hurt your case, but it sounds like you may have a good case.
This is a case where you absolutely need a lawyer. The insurance company will never treat you fairly without one.
Richards & Associates,, LLC (702) 518-5180 No attorney/client relationship is established by this response. The response is based on the bare facts given in the question. Please talk to an attorney who has fully investigated the facts before making legal decisions.
Insurance companies will find any and all reasons to tell you why they shouldn't pay fairly on claims. There goal is to save money, don't be fooled by it.
That said, an experienced personal injury attorney will always add value to any claim. In situations like this where the insurance company for the other driver is trying to dodge liability completely, an attorney will be necessary to protect your rights and fight for what you deserve. My office only handles personal injury cases, the majority being vehicle collisions. We're here to help.
Insurance companies will jump on any excuse they can manage with a straight face to avoid having to pay out on their policies.
There is no question in my mind that you need an attorney. If the insurance company continues to deny your claim, you may be forced to file a law suit, in which case an attorney is absolutely essential.
We would be happy to provide you with a free consultation to discuss your options.
The fact that your driver was unlicensed does not invalidate the claim against the at fault driver.
Unless the other driver's company is going to successfully press charges against their employee for stealing the car, they are not going to escape liability.
See a doctor & get a Lawyer.
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This is the exactly why personal injury attorneys exist. In many cases, the insurance company will offer some flimsy liability argument as to why they should not pay out the claim. If you accept liability, they will find ways to attack your medical bills as excessive.
The only way to recover from this accident is to hire a personal injury attorney.
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