Reply to Car accident question - can someone explain fixing through insurance or suing like I’m a 5 year old

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[quote=Anonymous]Did you get the other driver's name and insurance info? Hopefully yes...

Start by calling your insurance company. They should work directly with the other insurance company. You will be given instructions for repairs: typically, in my experience, you'll be given a list of shops approved by the paying company for estimates and repairs. Take your car to one of them.  They will send the estimate to you and the insurance company.  If you choose to do the work there, the insurance company will pay them directly. If you choose to go elsewhere to have the work done, they will usually reimburse you up to the cost estimate from the shop they had approved.  Details vary by insurance company.

I can't imagine why you'd need to sue for a straightforward case like this. I'm not a lawyer... But I've only seen lawsuits filed when there is a dispute over who is at fault, or if there are costs not covered by the initial insurance offer (e.g. Medical costs, or they total the car but undervalue it).

Sorry this happened, it is stressful and scary to be in any kind of accident, especially with kids in the car. [/quote]

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