whatsup a-zine make a long story short i was involved in a accident yesterday afternoon on my way home from work stopped at a light.....wen out of no where i get rear ended pretty hard i could tell the driver wasnt planning on hittin the brakes cuz i heard no tires screech whats-so-ever at the moment of accident i didnt feel anything but after an hour or so i decided to head to the hospital and get checked out...just wanted to know from you guys should i call insurance even tho i dont have police report Yet and it was her fault? or how should i go about it?im lookin to sue cuz my back was messed up from a previous incident last yr and now it feels worse....any info would b greatly appreciated thanks..

heres a shot of my car before.....havent took after yet

 

Why didn't you call the cops and insurance at the scene of the accident?

 

^ i did that bro gtta wait 3 business days for police report to be done

 

Call your insurance co and check if you have a thresehold or no thresehold. Here in Jersey, If you have a thresehold you won't be able to sue and I won't get into the limited exceptions.
We choose to have no thresehold, but with the 3 cars we're paying $3800 a year in the great state of NJ, no accidents, points etc. No thresehold jumps the yearly cost up considerably.

Your insurance company will be responsible for all the medical bills, while the guitly party will be responsible for the repair of the car. If you can sue, good luck.

 

Thanks i had full coverage on the car so im assuming i do have it tho appreciate all the help

 

you didn't include this in your original story.
Turbo gave great advice.

*edit*
Don't assume, if youre planning to sue. Call your ins co. and find out for sure. That way you have all your bases covered.

 

Full coverage has nothing to do with the thresehold as it is independent of liability, collision and comp.

 

^fixed.....

 

damn that stinks dude most likely its her fault cause you got rear-ended. hope everything works out. btw nice wheels whats the make and specs on them?

 

Wow must be nice...out here in cali you cant get a damn police report. Unless someones drunk or high or if city property is destroyrd or if someone is unlicensed....I was involved in an accident where my back was injured and I found it much eaier to get an attorney...yes they take part of your money but they worry about alll your hassels and usually have good conections in the therapy industries so you will be taken care of either way. Plus they can usally get you some pain and suffering and even some lost compensation if you missed work cuz of this accident

 

Dang, another TL Down again. I just had mine back in June. Three days after my b-day. mine happen on June 17th and I prob won't be getting my car back until July 23rd. when I had my accident, I called my agent and the police.