High Island, TX Personal Injury Law Firms & Lawyers

Get you a good lawyer, convince him with the proofs you say you have. If there is substantial money involved he should be interested, if there is only a small amount of money and this is mostly principle you may have to go it on your own.

The reason you have insurance is to protect you in the event that your car, or anyone driving it with your permission, is responsible for causing an accident and resulting injury. While the driver's insurance should be primary on the injury claims, if there are any, your insurance should be primary on your property damage claim. While her insurance may be willing to pay for your property damage, the reason you have insurance is to repair your vehicle when it is damaged, whether your fault or not. You have a first party contractual relationship with your carrier and as a result they must treat you fairly, while you have no such relationship with the driver's insurance. Therefore, they don't have to repair disputed damage, nor do they have to repair it in a reasonable period of time. If you pursue repairs through your own carrier, they will subrogate the amount they pay to repair your vehicle, meaning they will pursue reimbursement from the driver's carrier. Therefore, instead of dealing with a company with which you have no relationship and hence no real leverage over, you should pursue your property damage repairs through your own carrier and let them go get it from the other company. Given the accident is not your fault and your carrier will be getting reimbursement there should be no adverse effect on your premiums.

Quite possibly, but the hospital will need to obtain a judgment before that can be done. Further, you likely have a homestead exemption which will protect at least part of the equity in your home. Hospitals will customarily work with you on payment of delinquent bills.