Thank you for responding. Please be patient in waiting for a response.
There are two paths you can go down at this point.
1. Since you have contacted the other drivers insurance, they will look at the wreck and in a few weeks will make you a settlement offer. You should insist that the offer include your medical bills and an amount to replace your vehicle. The amount of insurance that the other person had is probably limited at $30,000.00. So you can get up to that amount. However, the insurance company will not give you anything for pain and suffering, and may attempt to not pay your full medical costs or give you anything for any other treatment you may need.
2. The other option is to go contact a personal injury attorney. They are likely going to be able to get you a much higher amount that you would get on your own and may be able to get you access to medical treatment if you do not have health insurance
. The down side of course is that the attorney takes around 1/3 of whatever you end up getting. If you want an attorney to represent you, you don't have to wait for anything and you can contact one now.
So, in summary, you need to ask for 1) full replacement cost of your vehicle (this will be what it takes to get an exact replacement...not a brand new car); 2) rental car while your car is being replaced; 3) full payment of your hospital bills; 4) any other medical treatment you need to get; and 5) lost wages that have resulted from you missing work because of the wreck. You need to figure out what the number is (I can't tell you based on the information you've given me). And once you get a number for each one of the above factors, you need to send a written demand to the other drivers insurance adjuster (so you will need to contact them and get their name and mailing address).
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