Been to 3 car accident, my car is totaled, lost my job, depress, in pain and it is 100%fault of 1 of the car.?

Last Oct 2009 i have been to a 3 car accident. My car was totalled, I ws hit on the back on a red stop sign traffic lights by a woman and my car gor forward to the car on my front. I got sandwich by two cars. God is good I did not die as i am wearing my seatbelt. Did not call any ambulance as I thought I am OK, got some bruises on my two knee and legs. Police came and give a ticket to the woman on my back who is now 100% at fault. When I got home I went to the ER to be sure I am Ok and the doctor told me it is only some bruises and contusions . After 3 more days I am already feeling some pain and neck problems, shoulder, back, elbow, pain but the problem is I cannot afford medical bills. I went to a walk in clinic and pay $130 to see a doctor and he sent me to get an X-ray on my shoulder and neck and all is good but pain is still there. The insurance of the other party wants topay only $1000 for my car even thou i told him that the car was just recondition by a fren and the rim and tire were new and i am asking for another 1,000 but they donot want to pay. they say thats the only market value of the car. They donot want to authorized for me to have some pysical theraphy for my pain as they said they need proof first of all my medical records. Since then the adjuster is so hard to deal with. The one who hit me is not the owner of the cara and it is own by her husband and also no insurance too. so can i sue the woman on a small claim court. I live in Washington and also how long do i need to settle for my car and bodily damage. if I will not get alawyer. Thanks Howard, that is a good answer. Another question? Can I send a letter to the person who hit me that I will get her to small claim court because her insurance won't give me 2,000 for my car lost. Also, I donot have any medical records in my life time here in WA., only the one with the walk in doctors and the hospital at the day of the accident, is that enough to take them to court and get an attorney for my pain and sufferings???. Because I got depress with all my pain I quit my job and so I am doing only home remedies to fight the pain. I have no health insurance and cannot afford to go on walk in clinic again.

Asked By: emie - 2/11/2010
Best Answer - Chosen by Asker
If the market value of your car is only $1,000 then the insurance company will not pay you more than that unless you have receipts from a repair shop showing how much you spent to recondition it. If it was done by a friend you are probably simply out of luck. Even if you had receipts it would be difficult to get more... More
Answered By: Howard L - 2/11/2010
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