A drunk driver hit me from the back at a red light I only have liability so it doesn’t cover getting my car fix and he has the same insurance company so im a little skeptically , I just need help on how to go about everything
Depending on what your damages to your car you may be able to go to small claims court.
Sorry about your collision and injury. Call your own insurance agent and file a report of the incident. The fact that both parties are insured by the same company does not necessarily mean there will be trouble. The company understands that they have a duty to you as the injured party, however, it would be a good idea to get an attorney involved promptly to help you navigate the situation. There are property losses m diminished value to your property, rental issue, and punitive damages to be considered. The insurance copmp[any will not be volunteering information which will costs them money. Get an attorney.
Contact an injury lawyer in your local geographic area. The injury lawyer will report the crash and injuries, presuming you were injured, to your car insurance company, and coordinate you getting the healthcare you need to feel better, as well as getting you a good financial result in your injury case. I wish you well during this hard time in your life.
DO you have any damages besides your car? Did you sustain any bodily injury? If just the car was damaged you can proceed in small claims court with a suit against the driver. Make sure you bring all police reports of the accident as well as proof of damages to your car. Best of luck.
Having the same insurer really doesn't change much. If you were hurt, you need a lawyer and you can't hire one with web posts - you need to call lawyers. You can search them here on AVVO. Talking to an insurer without counsel in this situation is a very bad idea and may lessen any settlement greatly.
If you have property damage only, in most cases the insurer is going to get the car fixed and cover a rental without you needing counsel.
For future planning, get proper insurance. Liability only is a VERY bad plan. If you have an accident where you are at fault, or the other party is, but has too little or no insurance, you have really hurt yourself for a nominal savings.
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The attorneys in this forum will always try to give you the best information possible given the facts that are outlaid. However, probably 99% of the time, the main theme you will see in any answer is to obtain whatever medical treatment you need for your injuries and then to consult with an attorney, as there is no possible way that any attorney in this forum, based on the limited amount of facts that can be given, can address the issues in full. I’m not saying that all insurance companies are going to try to cheat you.
I handled lawsuits as an insurance adjuster for thirty-three (33) years for three (3) of the larger insurance companies in the U.S. Those companies were always fair and came up with a fair and reasonable settlement range for injury cases. However, what you have to understand is that even the most reasonable insurance carriers are going to offer you the lower end of what they consider a reasonable settlement range and try to get you to take it. The less than reasonable insurance companies will not be as kind as some of the larger companies out there.
Now, you didn't say whether or not you were injured. If you were not, you may not need an attorney to assist you. However, if you were in fact injured, your best bet is to consult with an attorney in your area to obtain a more specific answer and get all of your legal options before deciding what to do. The attorney will also investigate all available coverages to ensure you have the maximum amount of coverages available to you. You can use the "Find a Lawyer" link at the top of this page for names of attorneys in your area. Most offer a free consultation and work on a contingency fee basis, so you won’t have to pay anything up front.
Speak with a personal injury lawyer local to where this happened. Almost all will do free consultations.
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