If the other person's insurance company will not pay you then your only option is to file suit and let a judge or jury decide who was at fault for the accident. You would present evidence and testimony supporting your version of what occurred. More than likely, the insurance company for the at-fault driver will hire an attorney to defend the other driver in the lawsuit. The other driver, if he or she wants to, can counter-sue you for his or her damages. If that occurs, your insurance company, which you should notify immediately, would have someone defend you against the other driver's claim. You may want to consult with an attorney to discuss your rights and the legal process. Most accident attorney offer a free consultation so it will not cost you anything to get more information.
Answered on Aug 15th, 2012 at 3:12 PM