My question involves a traffic accident in the State of: TN
My husband was sideswiped. He was in the 4 lanes , car was merging into traffic, and slams my husbands car on the drivers side, back door. My husband called the police. The guy admitted to the cop and my husband it was his fault, even told my husband he didn't see him. The cop reported that V1 which was the other guy, stated that he merged into traffic and sideswiped V2-my husband. Now this guy goes home calls his insurance, and then denies he hit him and said it was my husbands fault. I am sure he was coached there. This guys insurance company says they will not pay for the damages to our car, because of conflicting stories. Our insurance said we would have to take him to court. We have liability only, so no help from our ins. company, and they told us that. We plan to take this guy to small claims court. My question(s) .... we are not sure if it is this guy we are to take to court or his insurance company which was faxed the PR and has a copy, or should we contact them or this guy again telling them what the plan is? Another thing, how well is this PR going to hold up? Should we get anything else from the cop who filled the report out? PR also states that vehicles were moved (side of the road) will this hurt in any way? I was told by someone to call this guy and tell him either his insurance was going to pay for it or he will have to himself, either way it would be taken care of. Then that usually followed with the guy calling his insurance and the guy would want to settle instead. As for small claims court, do we have to file in the county the accident happened in , or in our own county, or the county the guy lives in? Will we be able to get lost wages , rental car fees and court fees back?