Accident Update
I was involved in a car accident where another driver T-boned me after running a red light, as noted in the police report. Today, I received a denial letter from their insurance company, claiming their driver isn’t at fault. They assert that their driver had a green light, despite the police report and a witness statement corroborating that my light was green and that the other driver ran the red light.
I’m unsure of my next steps since I only have liability coverage. I live in Virginia and I’m considering suing them, but I’m not sure how to proceed. I’ve suffered a concussion, my son has sustained minor injuries, and we currently have $5,000 in medical bills. Additionally, my car was towed, and since I couldn’t afford to retrieve it, the towing company auctioned it off. Any advice would be appreciated.
I’m really sorry to hear about your accident and the challenges you’re facing with the insurance claims process. Here are some steps you might consider taking as you move forward:
Consult an Attorney: Given the circumstances, especially since you suffered injuries and your son had minor injuries, it’s a good idea to consult with a personal injury attorney. They can help you understand your rights and guide you through the legal process, including filing a lawsuit if necessary.
Gather Documentation: Collect all relevant documentation, including the police report, witness statements, medical bills, and any correspondence with the insurance company. This will be important for your attorney and any legal actions you might pursue.
Contact Your Own Insurance: Since you have liability coverage, check with your own insurance company to see if they can assist with the medical bills or help you navigate the situation. Sometimes they can help with uninsured/underinsured motorist coverage.
File a Claim: Your lawyer can help you file a personal injury claim against the other driver. This will likely require proving that the other driver was negligent (running the red light) and that their negligence caused your injuries.
Consider Medical Documentation: Make sure to have all your medical records and documents related to your concussion and any treatments you and your son received. This can help support your claim for damages.
Negotiate with Insurance: If you haven’t already, your attorney can help negotiate with the other driver’s insurance company, as they will handle the claim on your behalf and fight for a fair settlement.
Keep Records: Document all medical visits, treatments, and any out-of-pocket expenses related to the accident. This will be useful in proving your losses.
Remember, each situation is unique, and an attorney can provide personalized advice tailored to your circumstances. Wishing you and your son a swift recovery and a favorable resolution to your case.