Auto Insurance Claims: car accident, medical attention, car accident

Question
QUESTION: I WAS REAR ENDED RECENTLY. I WAS STOPPED AT THE RED LIGHT WHEN THE OTHER DRIVER HIT ME HARD.POLICE CAME CITED HER FOLLOWING TOO CLOSLEY. SHE NEVER REPORTED IT TO HER IN ISURANCE I DID. SHE IS CLAIMING A THIRD CAR CAUSED HER TO HIT ME ,BUT THERE WAS NO THIRD CAR. MY LIGHT WAS RED. I WOULD HAVE SEEN THE THIRD CAR SWIRL AROUND AND RUN.SHE IS LYING. NOW HER INSURANCE DENIED MY CLAIM THEY SAID BASED ON WHAT THERE CLIENT SAID.MY TWO KIDS WAS IN THE CAR. I HAVE A SHIFTED SPINE AND SOETHING IS SHIFTED IN MY NECK. MY DAUGHTER SOMETIMES COMPLAIN OF BACK ACHES.SHOULD I JUST TAKE THEM BOTH TO THE DOCTOR AND BE CHECKED OUT. SHOULD I HIRE A LAWYER? PLEASE HELP WHAT ARE MY OPTIONS.I AM IN PAIN ALL THE TIME. HER INSURANCE STATED THERE WAS NO WAY SHE HIT ME HARD BECAUSE I ONLY HAD BUMPER DAMAGES.MY KIDS WAS SCARED BECAUSE SHE REALLY HIT US HARD.

ANSWER: Hi Fookie,

You should find an attornie right away. Someone needs to go to the other car and take pictures of the rear of the car to see if there was any impact to the rear of the car that hit you. If you have insurance, you should report the accident to them as well. Ask them to go to the other car and take photos of the rear to see if there is any damage.

I hope this helps
Richard Hixenbaugh

---------- FOLLOW-UP ----------

QUESTION: HOW SERIOUS IS A SHIFTED SPINE AND A NECK PROBLEM. MY INSURANCE ALREADY DETERMINED SHE WAS AT FAULT. SHE WILL NOT ANSWER THE PHONE WHEN MY INSURANCE TRIED BTO CONTACT HER. HER ADJUSTER WITH HER INSURANCE SAID SHE WAS NON COMPLAINT AND WILL NOT GIVE THE NAME OF HER OTHER PASSENGER IN THE CAR.WHAT IS YOUR OPINION? THANKS

Answer
Hi Fookie,

I am not a Doctor nor do I have any specifics about your injuries. So I can not tell you what the seriousness of your injuries are. If you feel you need medical attention, then you should seek a doctor in your area to see.

As far at the liability, it appears based on your description that the other person is at fault. However, if the other drive is non-cooperative it will slow things down. You should work with your insurance company for any coverage you have on your own policy. You may need to put any medical expenses on your personal health insurance untill everything is sorted out.

I hope this helps
Richard Hixenbaugh