I was recently involved in a car accident on Monday July 15th around 11am. I was just finishing up track and Field practice, and was now on my way to work. As I was pulling out of the parking lot, another vehicle hits me from behind. Note: Being a student at the time of purchasing my car, I was only able to afford liability (yes I know, not so good). On the other hand, the gentleman who hit me was driving
a state vehicle, which of course is fully insured. He admitted the entire accident was his fault because he was speeding. Shortly after the police show up, they start talking pictures of the accident, as well as marking the positions of the cars on the floor, while taking down notes for the official police report. One of the officers who had finished speaking to the other gentleman, pulls me aside and tells me the man who hit me admitted fault to the whole accident, but would still like to hear my side of it. I simply told him, I had just finished track practice, and was on my way to work. As I was looking over my shoulder, and slowly letting the wheels roll, I get hit from behind the second my back end was exposed. I tell the officer I'm not at fault because he was going so fast that the impact forced my back end to swing, making my car face a totally different direction. Insurance
information was exchanged, but I did not get the gentleman's insurance info directly from him, instead the officer told me all that information will be available in the police report/case number. All I received from the gentleman was his CDL, and a business card containing his address as well as a phone number. I called my insurance company and told them what had happened. The following morning I had an appraiser visit me at home and take pictures of the damage. He said the cost of repair exceeds the value of the car. Before leaving he told me I will be receiving a phone call from someone from my insurance company who will take an official report, once they get all the data he collected.
The next day I get that call, it was a lady who recorded our conversation, as I was retelling the events of that day. When we finished, she stopped the recorder and asked if I had any questions from her. I told her I've never been in an accident, so I'm not sure where to go from here. She said she will be contacting the gentleman who hit me, and get his side of the story, as well as his insurance information, and then she will get back to me to give me that info, so I can proceed with calling his insurance company to file a claim. I don't know how slow this process is, but I still haven't heard from her, and it's been a week. I do remember one very important detail during our conversation, that is, she told me to expect the finger to be pointed in my direction as well because I was backing out, so I will be blamed for 50% of the accident. Which of course I felt was a bunch of BS because if I had my child in the back seat, and she died, will it still be 50% my fault that the gentleman who was speeding in a parking lot hit me to such a degree, that the impact killed my kid? It was at this very moment I lost any hope in my insurance company backing me up. So now I ask any qualified Lawyer reading this, where should I go from here? I know I need to get in contact with the gentleman's insurance company to file a claim, but that lady still hasn't got back to me. I'm really overwhelmed at this whole situation it's hard for me to think straight at times, which is why I'm reaching out for guidance.