My question involves an injury that occurred in the state of: NY
I rear-ended someone. I admit it, it was my fault and I firmly believe the other party is entitled to compensation for the approximately $400 worth of damage to his rear bumper.
My insurance company told me that he has retained an attorney. They said don't worry about it, they will handle everything. Here's the thing - if this guy were really hurt I would feel very bad about it and I would want him compensated for medical bills, loss of work, whatever. I own up to the fact that I hit the guy and I do not for a minute shirk that responsibility.
However, if (as I suspect) it ends up that this guy is not hurt at all -- then I want to make sure this is valid and not some play to make a few bucks at my insurance company's expense. His insurance company told my insurance company that he said that he has "soft tissue damage". He retained an attorney less than 5 days after the accident.
So, what should I do? Sit back, let my insurance company deal with he lawyer and finally settle for some amount? Or is there any way for me to help fight this or at least weigh in on it? My insurance agent told me that in NY it's a pretty high standard of proof that there is a real medical issue and these "soft tissue" deals typically get tossed -- I'm not sure if that's true or not. I would imagine that the attorney took the case with the assumption there was money to be made.
Like I said I don't for a minute want to side-step my responsibility but I also do not want my insurance rates going up due to something that was not legitimate. My insurance company's motivation might not align with mine, on this point...they may want to just settle the matter to avoid prolonging it.
I would appreciate any advice on this...thanks...