I have never been in a car accident like this and I'm guessing my car will be considered totaled. A Ford F-150, in front of me, and I were slowing down to make a left hand turn and a lady slammed into me from behind, which then pushed me into the F-150 in front of my car.
So, her insurance is with All State. What should I expect? This happened last Wednesday and I have only heard from All State once, they called to take a statement. Right now I have no car. Our budget doesn't not have room for a second car payment, we had no plans to purchase another car for years. My car had plenty of life left in it, it had just under 80K miles on it.
I'm worried her insurance is going to try and stiff me with a low payout. IMO, my personal budget should not have to suffer because this lady crashed into my car. All State should pay me enough to replace the car with a very similar valued car. I have looked at Autotrader, Carvana and Carmax; the few 2012 Toyota Corollas they have are all around 14-16K depending on millage. I'm not looking to get rich or get $50k car. I just don't want to end up with a car payment because this accident wasn't my fault. I also think they should provide a rental until things are worked out but, I've heard so little from them that I'm getting nervous.
I've also got some doctor appointments later in the week, ultrasounds and x-rays, to check for internal damage. My doctor doesn't think there is any damage but he wants to make sure. My side does still hurt some, like a badly pulled muscle.
I know we have some lawyers around here and maybe some insurance folks as well. I would appreciate any advice? Should I contact a lawyer or wait to see what All State does?
So, her insurance is with All State. What should I expect? This happened last Wednesday and I have only heard from All State once, they called to take a statement. Right now I have no car. Our budget doesn't not have room for a second car payment, we had no plans to purchase another car for years. My car had plenty of life left in it, it had just under 80K miles on it.
I'm worried her insurance is going to try and stiff me with a low payout. IMO, my personal budget should not have to suffer because this lady crashed into my car. All State should pay me enough to replace the car with a very similar valued car. I have looked at Autotrader, Carvana and Carmax; the few 2012 Toyota Corollas they have are all around 14-16K depending on millage. I'm not looking to get rich or get $50k car. I just don't want to end up with a car payment because this accident wasn't my fault. I also think they should provide a rental until things are worked out but, I've heard so little from them that I'm getting nervous.
I've also got some doctor appointments later in the week, ultrasounds and x-rays, to check for internal damage. My doctor doesn't think there is any damage but he wants to make sure. My side does still hurt some, like a badly pulled muscle.
I know we have some lawyers around here and maybe some insurance folks as well. I would appreciate any advice? Should I contact a lawyer or wait to see what All State does?