1.) my car was 2005 nissan sentra rebuilt title 100k miles
2.) car was total loss
3.) I was not at fault, the other driver was.
4.) I have one month left on my state farm and they are taking me off since insurance since it appears I do not have prior insurance since my dad did not list me as a driver on previous insurance. so finding insurance has been difficult for some reason.
5.) No pain, but developing some neck and back pain now after a few days after the wreck.
ok well that is the fact I am not sure to file a lawsuit since now I do not have a car, and I really do not have money to buy a good car with an estimation of what the insurance claim will give me for the car $2,000. I am pretty much stuck since I do not have enough money nor have good credit to finance.
My mother told me if I were to file a lawsuite it would be even harder for me to get insurance and my insurance will also increase because the clinic I was supposed to go to ( from neck back pain) is from my own insurance. I thought it was from the driver at fault insurance?
Anyhow, I need some guidance. I am not sure what to do. I wont have a job in the summer, I dont have enough money for a new car, plus the 2,000 claim I will get from the damage total loss.
Two bits of advice -- retain legal counsel. Just do it. and go to the emergency room (or your family doctor) and be checked for accident related injuries. The sooner you do both of these, the better off you will be in the long run. Make sure that you are satisfied with the medical examination. Have it redone if the pain continues and they tell you nothing is wrong. And legal counsel will take care of all the interactions with insurance companies and legal proceedings, and to ensure that all the step that can and need to be taken are. To be honest, it is in the lawyers best interest to ensure you get the best possible settlement.
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