I was in an auto accident but it was the other drivers fault, if I don't have current insurance what do I do?
Question Details:
How do I get my car fixed. The other driver does have insurance.
I would recommend contacting a <a href="http://www.injuryrelief.com">Texas personal injury attorney</a> as a precautionary measure. There is no obligation or cost to get professional advice. The bottom line is that if you are injured, talking to the insurance adjuster at all is a bad idea. If it is simply an issue of property damage, then there is likely no need to bring an attorney into the equation.
Insurance adjusters have fairly strict guidelines that must be followed with regard to compensating you for your property damage. If you are injured in a car accident, you really have a good deal to gain or lose, and it is all determined by how well you deal with the insurance adjuster. Unless you are an attorney or an insurance adjuster yourself, you will likely just be playing into their hand. A <a href="http://www.personalinjurylawyersofhouston.com">car accident attorney</a> will do all of the communicating for you. This keeps the adjuster from being able to subject you to their deceptive questions and other tactics.
You can do a few things. If you are not at fault, and the other driver has insurance, and your injuries are merely damage to your vehicle, contact the driver's insurance and arrange for your vehicle to be repaired. If your car is a total loss (not driveable, deemed a total loss), you are entitled to the market value of the vehicle (usually Blue Book) just before your accident.
If you are in any way hurt, you need to hire a lawyer to sue both the driver and his or her insurance company or to negotiate something prior to suit. This can include hard costs like medical costs, days out of work, damage to your vehicle, but may also include future medical care and physical therapy. It may also include pain and suffering, as well (non-economic costs).