Was in an accident 2 weeks ago, brand new (to me) car and havnt even made the first payment. the at fault driver had an expired "limited term" drivers license. after police report and information exchanged i have been given the runaround by his insurance claiming that they cannot reach him for a statement so they will deny and close the claim. is this even legal? do i need a lawyer like right now? Thank you everyone for the replies, sounds like i was overthinking alot of this. proceeding with my insurance company to let them go after him or his insurance company and just have the car back.

The accident occurred on 3/20 and was told they’re taking 100% fault. It all happened so fast, but I was on my way to work in the morning driving 45 in a 45 (it’s also dark and raining). I’m coming up to a 2-way crossroad where the guy’s road had a stop sign and mine didn’t. When I got close to the crossroad I see that he’s rolling up to the stop sign and I assume he’s stopping..because there’s a stop sign. Instead, he keeps rolling into the middle of the lane where I proceed to slam on my brakes and instinctively veer to the left to avoid him but I end up completely smashing the side of his car at 45 mph. I ended up missing that Thursday and Friday and returned to work on Monday since I was told I wouldn’t have to do much work. He ended up not even having a scratch while I have to go to the ER because I was so rattled and didn’t really know the extent of my injuries besides not being able to hear out of my left ear due to it ringing and sounding really muffled. I get a CT scan at the ER and was told that they couldn’t find anything major, so they sent me home with some muscle relaxers and a note for “light work no lifting” for work. A couple days later, I started feeling the extent of my injuries. Taking a deep breath, laughing, coughing, anything that expanded my rib cage or moved/put any pressure on my shoulder blade hurt really bad. My neck was stiff from the whiplash and I could crack my neck in ways I never had. My ear was still muffled with loud ringing and was very disorienting. This affected my sleep, work, daily activities like driving, working out, or even cleaning my apartment. It has been a week and a half since the accident and I’m still feeling all that pain. Albeit, not as significant and alarming as last week, but I still have a muffled left ear with some ringing, pain when my chest expands, shoulder blade pain, anxiety whenever I drive(which is a huge part of my job), sleeping issues, and as silly as this sounds, has destroyed my happiness. I got engaged the weekend before the accident and wanted the celebrate with friends the weekend after, but I wasn’t even able to leave our apartment to celebrate because of how much pain I was in. His insurance has offered me $2,500 for pain and suffering but I feel like that’s a slap in the face. I explained my situation to an attorney and he said it looks like they can make a decent case but said he couldn’t give me a number on how much he thought the case would be worth. So my questions are, can someone give me a ballpark estimate on how much I should negotiate for? & Do I need an attorney involved or is this a situation where I should fight the claim and negotiate myself? TL;DR I got in a high speed accident and his insurance is accepting 100% fault. I got out lucky but am still experiencing injuries like whiplash, some bruised ribs, shoulder blade pain, and muffled hearing. His insurance offered $2,500 and I don’t believe that’s enough for what I’ve gone through. How much could I counter offer for and should I get an attorney involved? Edit: I apologize, I did end up going to a primary care doctor last Friday but he told me the pain I experienced is common and went over the CT scan that the ER did and said “everything looks fine here”. I have an ear, nose, mouth appointment this Friday. Edit 2: I’m sorry if these seem like stupid questions, I’m just really young and don’t have any help outside of my mother.

Almost two weeks ago, I (26M, Location: North Carolina) was the passenger in a car accident. My boyfriend's car got t-boned on my side, and he is definitely at fault. I got a pretty nasty bump on my head, which the PA at the urgent care later diagnosed as either a bad headache or a mild concussion. At first, I just had a dull headache that came and went, I'll now say I'm having migraines that are coming and going, and at their worst I want to lay down and do nothing. My parents want me to pursue legal action against the insurance. They think I should get head scans, and his insurance should cover it. I'm thinking maybe there's sort of aftercare or physical therapy that'd be possible. But I'm hesitant about suing my boyfriend's insurance. I imagine there would be negative consequences for him through them, which I wanted to avoid. I wish the headaches were getting better, but they're not--if anything they're getting worse. He's also not happy with the way the insurance conducted the afternath of the accident. Evidently they listed his car on the auctioneer's site before telling him the damage (he's since taken the car back and the listing was taken down). He planned on suing the insurance company, but he consulted a lawyer who told him he doesn't have a case. When I told him about my legal options, he said his insurance is shady and he'd pay for expenses without going through them. That, at this point, seems like it could be way too costly when it's all said and done. Meanwhile, the insurance company has contacted me and they're asking questions about lost wages and whatnot. I've told them I'm having headaches. So what are my options? How bad would this be for my boyfriend? What would you recommend in this spot?

So recently someone backed into me at the parking lot and damaged the front of my car. We exchanged information etc and the person initially was thinking to settle it without involving insurance. I was fine with this and reached out to a few places, but most say it is hard to determine the total damage without doing a full diagnostics because there are many sensors/cameras/lights in that area. Only 1 place gave me a preliminary estimate after looking at the damage. We then decided to get insurance involved. His insurance assumed full liability and send out a person to estimate the damage visually. The estimate is quite low, lower than the place who gave me an estimate directly. They said I would need to take my car to a shop that is willing to work with their rate. If additional damage is determined, then the shop would work with the insurance company for any additional costs. During this whole process, I feel like the other person's insurance treats me like I am trying to scam them. I asked what if the shop dong want to fix the car because the insurance estimate is too low, and they said that I would have to pay for the different if the shop is not willing to work with their rate. So now I am wondering if it makes sense if I reach out to my insurance company and report this incident, would they deal with the other person's insurance instead of me dealing with it directly? Thank you.