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What should I expect? | Car accident
Almost 2 months ago I was involved in a car accident in which I hit another vehicle from the rear. The vehicle in front did stop suddenly and with very short notice (signal light), but I understand that I would still be considered at fault for a rear end collision for failure to maintain control.
The office who arrived did not issue a ticket and it was considered a non-reportable accident. There was minimal damage to both vehicles and I did not even file a claim for my damages. The other parties (woman with 2 or 3 teens) showed no evidence of injury and did not mention any injury on the courtesy exchange of info form provided by the responding officer.
The teens immediately got out of vehicle and crossed the road to the store where they were stopping to get a drink. I did not see them again the entire time we waited for the officer and they did not speak to him. However, the woman and 2 of the teens later went to a doctor and are claiming soft tissue damage.
I found out today from the (Allstate) claims agent that they have now retained a lawyer. I have liability coverage in the amount of $50,000 per person/$100,000 per incident. What should I expect? Can I be personally sued?
I have been warned about these folks by others in the community that they will attempt to get as large a settlement as possible. Allstate has paid out a little over $900 for the repair of the car and have paid some medical bills.
I'm scared as I've never been at fault in a 2 vehicle collision before. (Though ironically I have severe injuries from being hit head on myself about 10 years ago...but I did not sue or even retain an attorney.
I just don't think like that, so I was totally shocked at the injury claims.
Unfortunately you can be suit personally. You caused the accident and this gives them (all of them) rights against you.
The good news is that you have insurance. Your carrier will protect you and, if there is coverage, hire an attorney in the event that you are legally suit. They will also try to settle for a reasonable amount so it does not have to get to that point.
Contact your adjuster so they can explain the process to you.
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