Accident, no ticket, no insurance in effect

I was in an auto accident in Dec., 07. I didn't get a ticket and the police report said that I had not caused it but stated the other driver was andquot;innattentiveandquot;. I rearended them. The car was not the drivers and both driver and passenger went to the hosptital, however I don't know the extent of any injuries. I called to report the accident to my insurance co and learned that my insurance had lapsed due to nonpayment. They reinstated it the following day. One of the people in the accident now has an attorney stating that if I don't show proof of insurance, which I cannot, they will go to the state (I live in MO) and ask that my license be suspended until I pay her damages. Can this be settled w/o the state getting involved? I can't afford an attorney and AM keeping my insurance paid. Any advice would be appreciated.

Son borrowed car and let friend drive-friend hit someone

My son is a licensed driver and insured under my policy - he's 17. He used my car yesterday and, unbeknownst to me, let his friend borrow the car. The friend hit a pedestrian and sped off. When my son found out he went to the scene of the accident and called the police. I'm freaking out here. My son got a ticket for allowing someone without a proper license (the friend is 16 and has a learner's permit.) The friend was arrested. I'm worried that my insurance is not going to cover this -they have yet to return my call. I am a single mom and do not own a home and have no assets. In fact my company just closed down after 30 years and I am getting by on unemployment. I'm afraid, considering the circumstances, that my insurance will not cover this accident and I will be sued. I have no money and don't know what I'm going to do.

Does calling to discuss a claim result in premium increase?

I had a minor, single car, fender bender (more like fender scraper) incident in a rental car in February. No other cars, no police, just scraped the front bumper on the wall in a parking garage. I received claim documentation from the rental car company last week, and the bill came out to about $1500. I'm working on deciding whether to put this on my auto insurance ($500 deductable). I'm interested in what (if any) effect this would have on my premiums. Obviously, I can call my agent to talk about it, but I want to say I saw somewhere that having a conversation like this with your agent is enough to trigger an increase in premiums - regardless of whether you actually file the claim or not. Is this true? Also - what is the likelihood of my rates going up for this? I'm with Allstate, have been for about 3 or 4 years with a homeowner policy, auto policy, and an RV policy. No claims or moving violations since I've been with them. Only one auto claim and only a few moving violations (all dismissed thru defensive driving) in the 12 years before Allstate. No history of delinquent payments. Great credit score. Any thoughts are appreciated..

My insurance company says me new car is totaled...

...but I am not positive that is true. The repair quote my claims agent gave me of $7500 is nowhere near the current value of the car, according to Edmund's and KBB. I just bought this 2008 Hyundai Son*ta four months ago and it is in excellent condition. The accident is still being investigated, but it looks like it I may be faulted because I can't prove that the other driver was speeding or that the traffic light had changed (no witnesses to confirm). So there it is. What options do I have to try to convince my insurance company to repair the vehicle instead? If that doesn't work, I am WAY upside-down on this car. I made the dumb mistake of buying a vehicle outside of my means w/ a low new car APR and I didn't get GAP insurance. I know...idiot. From what I understand, this basically means I'm screwed. I absolutely need a car for work that is reliable enough to travel cross-state. Will a dealer roll my loan into a new loan? Is that an incredibly stupid thing to do? I will be going back to graduate school soon and could, potentially, pay off my balance with education loans, but that is just delaying the debt... Help! Advice? Anyone that has had a similar situation...what did you do? I've learned a lot from this experience...that much is true.

Pushed into a car driven by an operator with a Suspended DL

Looking at my options here... I got hit while stopped at a red light. The person that hit me is at fault (documented in the police report and his insurance co [State Farm] says he is 100% at fault). The force of the impact, pushed me into a car infront of me. No damage to my car, slight damage to his car. The driver of this car was cited for driving on a Suspended DL. Can I put a claim against this person's insurance co, for BI? If this person had not been driving, I would not have been pushed into them. I am guessing the driver that hit me has the minimum 25/50/20 coverage required in VA. So the most I could get is 25K, correct? I can only find out what the true coverage is ... is by suing, correct? I was diagnosed with degerative disc disease over 5 years ago and have been pain and problem free for the last 5 years. Since the accident, I am constantly in pain and had to turn on the implant I have, to help manage the pain. I have not had to use this device in over 5 years... Since the accident I am back under Doctor's care for my back and now my neck, after being release 5 years ago...

Do I have to keep getting shots that barely worked?

I got the first of 3 stellate ganglion shots today. My hopes are all but dashed out. I barely felt any relief. They say I should feel relief (if they work for me,each person is different) almost immediately. Problem is I don't believe it worked. I can only see a little difference not enough to go through what I did and now I have the worst headache of my life. Question is they told me at the Doc's office that I would have to have a series of three before they could try anything else...this is demanded by the auto insurance company. If the first don't work well chances are neither will the second so why do I have to go through this two more times? Why would the insurance company want to waste the money on something that doesn't work, not to mention the fact it will eat up what monies I have available to me for med. care?

single vehicle accident

I was driving home at 3:30am yesterday and lost control on some ice and collided with a curb and a sign post. I was near my home and was able to drive the car home (damage to the undercarriage and the right door). I have filed my police accident report (there is a few thousand dollars worth of damage because a side airbag deployed and the exhaust and connected parts were damaged by the curb). I was NOT drinking at the time or at all on Friday. My question is how does the claims process work with regards to this? Will they assume I was drunk solely because of the time of day(the police officer seemed to have this mentality and repeated questioned me about it)? if so how much will they investigate it? As I was coming back from a friend's house whom i do not know too well, and her friends even less, will I be asked to track them down?