My question involves a traffic accident in the State of: New York
Here is my story.
In February my car was hit while parked. I guess a good Samaritan left a note with the licence plate number and description of the car. I called police and got the report. I filed a claim with my insurance company but as i only have liability the only thing they did was send a few letters to the registrant of the vehicle. She never replied. So i went trough DMV to find her insurance information and filed a claim with her insurance. After two month they denied my claim because they could not get a hold of their client (or so they say). Also their insurance company sent me the adjuster who only priced body damage which is about half of the cost to get my car back to proper order.
My questions are
Who should i sue the owner or the insurance company?
Should i do it myself or get a lawyer?
What court should i file it with?
Thank you all in advance.