hi, I feel like I have gotten into a complicated situation and feel cornered because both insurance companies are not doing anything to help resolve the situation.
Around 10 days ago me and my fiancé got in a car accident on a highway while taking an exit.
My fiance was taking an exit and I was in a passenger seat when traffic in front of suddenly came to a full stop and car in front of us slammed on breaks which made us do the same. Another car behind us crashed into us and pushed our car into the car in front of us. Police came and both our cars and car behind us got towed. Our car had front and side airbags depoloyed.
My fiance is 5 months pregnant and we wont to a hospital afterwards to have her and the baby checked out. Hospital ran different tests and monitored baby’s heart rate. Thankfully everyone is ok.
Our car is registered to my name and my fiance is not on my insurance policy from Progressive.
The car that crashed into us has AAA and first they told me over the phone that they accept the responsibility and I should release my car for them to take it to start working on it.
AAA also gave me a rental but the next day they called saying they will not take my car for repairs and wont approve rental because there arent enough funds to cover expenses because car in front of us is claiming from AAA as well.
The guy who hit us was in his early twenties driving an old accord. Im guessing he can easily prove in court that he cant afford to pay for my damages and has no assets to his name.
Progressive is telling me since my fiance was not on policy I will have to pay for expenses out of pocket even if I have full 100/300 limit with 30k uninsured/underinsured coverage.
My fiance doesnt live with me, she lives with her parents in NY where her dad has a car insured in full coverage with Geico and according to NY laws every active drivers license holder is on the policy automatically.
Im sorry for very long post it feels like I have to post all details here for kind hackers to be able to offer good legal advice.
My question is which insurance company is supposed to repair or pay off my car?
Is it normal that my insurance progressive is not returning my calls and should I hire a lawyer if they keep ignoring me?
Any help is greatly appreciated.