The other insurance company should be paying for your rental this whole time.
They will most likely come to you with a figure hoping to stop a lawsuit. If they don’t in the next few days, approach them and ask nicely for the fair amount (I don’t know how to calculate that, but given no injuries, you might have trouble) MOST of the time, they will offer a nominal amount ($2500) for the trouble, but ‘pain and suffering’ is simply based on medical bills. And there are none.
I’d say see what they offer, if anything. Hassle is worth something IMO and they want to avoid you getting a TV Lawyer.
You don’t have Rental Car coverage on your policy?
Even at that, you could have rented a car and received a reimbursement after the fact. Since you didn’t, I think your suffering is your own fault. You won’t get a thing for that, IMO.
Sorry for being harsh.
I doubt you will get anything for the “pain and suffering” type claims. I was T-boned several years ago, 400 miles from home over the Christmas holidays. The other driver’s insurance company was generally pretty good, but I had to go through an appeals process to get them to pay for my gas, meals, and 2 days of pay, in order for me to drive back to the accident location to pick up my car after it was repaired. They said usually they wouldn’t cover those things, and I indicated I would not hesitate to file a formal complaint with the state insurance commissioner...
I would find a good lawyer.
You might try calculating all the hours lost (at your hourly salary rate) + miles put on the other vehicle(s) (multipled by the current fed rate, which I think is around .5)
Also, if they are going to “total” your vehicle, you are just waiting for a check, is that correct? Not for vehicle repairs?
I am watching this thread (and may just start my own) because I have similar situation where Mrs Evisio was out jogging and was bitten by a neighborhood dog in the street just this past Wednesday. The animal control officer thought it neccesary to call the EMT for her injury and get an XRay for her wrist. (she tripped and fell when the dog bit her)
The owner will surely pay all the dr bills. I am not a litigation lizard, but MrsE sure is in alot of pain because of their negligence.
When they call, you say something like this:
“Yeah, I seen this lawyer on TV. And he said he could get me a pile a money from the in-shur-ance company which I guess is you. So I’m thinkin a calling that lawyer man and see what he can get me. “
They’ll throw something at you.
Just went thru the same type of deal with injuries. Get a lawyer.......
Please take my advice and go see the doctor. You will get reimbursed by his insurance, but I can tell you it is worth the out of pocket at the moment. I am looking at surgery to relieve a regular occurence of pain from a herniated neck disk. I felt fine for months, but I have no doubt it was the accident I was in. And with the elapsed time it was too late to get any settlement.
Speak with a lawyer. You are vulnerable and need sound counsel.
It is not necessary to sue for a zillion but otherwise you will be preyed upon.