Should I get an attorney?
6 attorney answers
If you have collision damage coverage on your automobile, your carrier can process your property damage claim under your collision coverage.
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Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received.
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Collision insurance pays for damage to your car, not the other guy's, and it's optional. After all, you can sue someone you think is to blame for damages to your car. So why buy collision insurance, unless you have to (for instance, if you are financing a car)? For a number of reasons:
You may be the world's most careful driver, but it is still possible that you will cause an accident or be held responsible for one. In that case you can't collect for damage to your car from the other driver. Collision coverage will pay for the damage, even if an accident is your fault.
You may think an accident is the other driver's fault, but he may disagree, casting you both into lengthy legal proceedings. With collision coverage, your company can repair the car and take over your claim against the other driver (a procedure known as subrogation). Your company is ethically, but not legally, bound to fight for enough money to pay you back part or all of the deductible
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Report it to your insurance company to resolve.
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Most attorneys will not handle a property damage only claim on a contingency. However, if your friends are seeking legal representation for their injuries, it's possible the attorney would help with the property damage claim. Alternatively, depending on the amount of your damage and the jurisdictional limit of small claims in Nevada, you could consider filing in small claims court.
Have you contacted your own insurance company to report the claim? If not, you should do so immediately. Assuming you have adequate coverage, your insurance company will likely make arrangements to have your vehicle repaired and will then seek reimbursement from the at fault party's insurance.
If you have insurance, report the matter to your carrier. You should also report the matter to the State Insurance Commissioner. A lawyer would likely cost too much.
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