Auto accident with minor injury - not at fault but uninsured

[courtneydisney]

I'm dealing with AAA on this, and so far, it's been a nightmare.

My vehicle was hit by a truck that ran a red light on 2/22 - police and independent witnesses verified that it was 100% his fault. My car is totalled, and I've been in a rental since it happened. MY car was towed to a local storage facility, and there it still sits.

AAA has finally accepted liability for it (on 3/10), but they are giving me a hassle about the storage fees from the tow company, and the rental that has replaced my car. At $20 per day, the rental can't be more in the "reasonable" range, and the original adjuster said that as long as I got the police report to them (showing fault) within 2 weeks (a "reasonable" time span, which I did), then they would cover the charges. The original adjuster is now denying that he said that, and they want me to pay 1/2 of a $1000 storage charge, since their investigation has now stretched out for 4 weeks.

I thought I had insurance, but it had lapsed. I know that I can't ask for pain & suffering because of this, but they should cover everything else, right? They're talking about due diligence and mitigation (i.e., my ins company should have taken care of this), but how far can they go with this?

They're also saying that I'm responsible for ALL my own medical bills until treatment is completed, then I can submit them for reimbursement. I'm a college student with no medical coverage, and this is just impossible - there's no feasible way for me to cover the bills. And since pain & suffering iclaims aren't allowed, the lawyer I talked to doesn't want to touch it.

What can I do? HELP!

[despair]

You are in better shape than my daughter and her husband and 4 kids
Its nearly a year since the idiot hit them when on holiday in Florida and since it will be years before my daughter is even remotely well she already has $50 K in medical bills which she has had to borrow

You cant even get Insurance to cover medical bills as a result of an accident caused overseas .......the at fault driver and their Insurance Co have admitted liability but they wont pay up period until my daughter is well

How is she supposed to feed 4 kids and pay the mortgage when she cant work ............

The at fault driver gets a new car ........my daughter gets the grief !!!

[Mr. Knowitall]

It's a cautionary tale as to why you don't want to let your own insurance coverage lapse. And why the U.S. really needs a national health care plan.

Depending upon the nature and extent of treatment you need, you may be able to find a doctor or clinic which will work with you, or at least treat and bill you, such that you don't have to go out-of-pocket before you can submit your bills to the insurance company.

What's the adjuster's rationale for charging storage fees? How soon after the accident report was available did you forward it to the adjuster?

[despair]

What the USA needs is a totally different way of Insuring cars etc and stop all the nonsense of lawyers and litigation

If you let your Insurance laps you deserve all you get

But if you have all the cover there is available and you still lkand up in the appalling financial state my daughter is in through absolutely no fault of her own then something in the whole of the USA Insurance world STINKS

The at fault driver got her car replaced with a new one .........my daughter will NEVER get herself a new back