It depends on the facts of the case. If you were hurt, you should get an attorney. If you weren;t hurt and you are just trying to recover your auto damages, an attorney will not be worth the time or the expense. 1.) If you are not hurt, it is going to be really difficult to find an attorney to take the case because the money will be too low. 2.) Any attorney that would take the case is going to be unwilling to actually take the case to trial because it would cost more to prep the case for trial than the case is actually worth. Instead, the attorney is going to negotiate the claim and take a reduced settlement. then the attorney is going to take a 1/3 of the money they collect ultimately taking even more money away from your repairs. 3.) When an attorney gets involved in an insurance claim, it sets off a series of warning signals to the claims adjuster and they are going to handle the case differently. Namely, they are going to hire an attorney to deal with your attorney and the whole thing is going to be drug out over years. Remember, insurance adjusters get threatened with lawsuits everyday. They are not afraid of attorneys. It is a large part of their job. All of this is going to result in you waiting for a really long time to get a disappointing recovery. There is an alternative to getting an attorney however. You can hire a subrogation company that is a member of "inter-company arbitration". The subrogation company can file arbitration against the insurance company and force them to pay the full amount of the repairs. I did this through a company called Cerberus Subrogation Professionals. www.cerberussubro.com It went really well. I didn't have to take a reduced settlement. I got the full amount I was seeking and it was way faster and way cheaper than getting an attorney. As far as I know, Cerberus was the only subrogation company that I could find that is member of arbitration. That is important. If the subrogation company is not a member of arbitration they can't file against the insurance company.
Not unless there are unusual circumstances. Generally the insurance provider of the person who is deemed to have been responsible for the accident is liable.
Not if it is deemed to be 100% the other drivers fault and they have insurance.
If you have both medical insurance and auto insurance, the primary company billed will depend on the situation. If your injuries and medical costs were caused by an auto accident and you carry Medical Payments coverage, you will bill your auto insurance provider. If you do not carry Med Pay insurance coverage, as it is optional in the state of California, the circumstances will depend on who is deemed at fault for the accident. If the other party is at fault, you will bill their insurance company and will advise your claims adjuster as well. If you are deemed at fault and do not carry Med Pay, the only insurance you can bill is your medical insurance provider. Be sure your medical insurance provider does not exclude injuries caused in an automobile accident before approving chiropractic care.
The insurers of the driver who was deemed to be at fault for the accident.
The insurance company has not authority to do what you are describing here. It sounds like you were really charged in this accident and deemed at fault and the Department of Motor Vehicles has suspended your license because you refused to pay a fine for the ticket you got in the accident. Also, the insurance company can file suit against you if you are found to be at fault and you decided not to cooperate with the investigation. If their was two stories as to who was at fault and you decided that you were right so you didn't bother to help the investigation with either company. Next, your insurance company could not fight on your behalf because you wouldn't assist them with the claim investigation. At this point, the claim would be deemed to be your fault and the rest fell into place after that. A company does not have the authority to do anything you have stated here so I don't really know what is happening. Sorry I can't help more.
Example: The company refused to recycle; therefore, they listed everything they deemed useless as "garbage".
Your car being deemed a total loss does not have anything to do with the liability of the accident. Your vehicle becomes totalled when the repair cost exceeds the local market value of your vehicle.
you should report the accident to yours and the other drivers insurance company...typcially no matter how fast you had to stop they driver behind you must maintain a distance to be able to stop from hitting you .... thus being deemed neglient/liable/at fault for the accident
If the damage to a vehicle will cost more to repair than the value of the vehicle before the accident, an insurance company will "total" the vehicle. That means they will pay you what the car was worth before the wreck. At that point the insurance company owns the wreck, not you. You have nothing left to insure, therefore.
Yes, everyone should have umbrella insurance. It will help cover you if an accident happens on your property and it is deemed your fault. Normal insurance has liability limits and it will keep you from going bankrupt after a lawsuit.
Your question is unclear as written. An insurance company that is formed as a stock company does not have "members"; it is owned by its shareholders like any other corporation. However, a "mutual" insurer is owned by it policyholders by virtue of their status as policyholders. In that respect, they might be deemed to be "members"/