I was involved in an auto accident where the other party was at fault, and the other parties ins co already admitted fault. I only had liability (never again) and my totalled car had a value of $13000. However, the insured was only covered for up to $10k, shorting me $3k. I have minor scrapes and visible scarring on my head from the airbag hitting my glasses. I really only want the value of my car, but if I have to go through lawyer to get property and bodily injury claims of over $25k, after lawyer fees, what am I left with? I want to settle with the Ins Co directly.
Thank all of you for your help. I want to refrain from getting a lawyer at all costs, but I do only want whats fair to me – my life, which is in tact – and the value for my car. My liability insurance, which I had for less than a year, and full coverage for my whole driving history before that, won’t cover the balance. I don’t want to fake anything with a lawyer or get some phone doctor to write my arm that supposedly fell off recently. I want my car back!! Is small claims my way? Won’t that take forever? Can I plead with the adjuster?

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