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Unfortunately, if the other driver (and that person's insurance company) will not settle the claim voluntarily, you will need to file suit. Simply filing the suit will likely give the insurance company the impetus to pay the claim. The reason being is that if the insurance company is found to be have failed to reasonably settle, the insurance company becomes liable not only for the actual damages, but an additional 3 times actual damages as punitive damages. So, as soon as you file the suit against the driver, the driver will then in turn go after the driver's insurance company to pay this claim. And, yes, it would be advisable to engage an attorney for this. Under my terms of service with JustAnswer, I'm not allowed to make a specific recommendation, but I can give you direction. You would want to either contact the state bar association or your nearest law school for a referral. I prefer the latter because they take great pride in their graduates and will take a more personal interest in making sure your referral is a good one because it will be a reflection of the school. But, this is not a complicated case so you would only need a 1-2 year lawyer rather than a more experienced lawyer with the higher billing rate that comes with that experience.
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