r/AutoInsuranceHelp

hey, so a few months ago my brother got into an accident and i was in the car as a passenger. I didn’t think anything of it since I wasn’t behind the wheel. Now I’ve started getting letters saying I owe money and that ignoring it could mess with my license or something. I’m kinda confused because the car wasn’t mine, I wasn’t driving, and I wasn’t involved with the insurance policy. My dad is apparently getting similar notices too. Is this just part of the normal process after an accident, or are they somehow trying to make me responsible for it?

So on Sunday, I was rear ended by a driver on a 3 lane high way at a red light that just turned green. Was in the middle lane about 4 cars from the light.
Was just sitting there and heard skidding and bang.

Called 911 immediately and we both pulled into the gas station parking lot that was near by thanks to the help of a NJDOT truck that blocked the road. We got out and I told him police was on the way and when we saw that damage was not to bad he was like like "look look" and started feeling my car trying to push the bumper back in. I said "We are waiting" and the guy got in his car and took off like a bat out of hell, and right past the police.

I ran over to the police and told them he ran and the color of the car and they went after him.
So after a 30 minutes of waiting at the scene a police car came to talk to me and the officer said
"we caught him down the road" and on the radio a voice said "uh he is unlicensed" and the officer with me at the scene was like "yeah there seems to be some language barrier since he claimed that you said he could leave, which I could tell is not true since you are still here waiting." I did not get any information about the other driver yet.

So I am waiting for the report to see if the unlicensed driver was him and if there was any insurance on his car to make a claim.

Bonus last night I was flossing my teeth and a large piece of a tooth came out, went to my dentist this morning and he said its possible for it to be related to the accident.

So my main question is, the damage to my car is negligible, so I can wait to see if the driver had insurance on the car correct? But should I file with my insurance as soon as possible now with the future dental work?

TLDR:
Was rear ended at light, driver fled the scene, minimal damage, tooth cracked crown required.
How to handle?

Recently, my fiancée was involved in a collision with another party while traveling southbound to our children’s school. She was at a red light with congested traffic, and as the light turned green, she was driving at approximately 10-15 mph. The other party was in the median lane turning left and attempted to rush through a narrow opening without noticing my fiancée in the far right lane, resulting in a collision with the front of my car. Regrettably, my fiancée is not listed as a household member on my insurance policy. I have already filed a claim, and I am concerned about the potential outcome. The car is currently on loan, so it has full coverage on the vehicle. However, since my fiancée is not listed on the policy, I am unsure of the next steps. Has any one ever been through this before ?

I’m honestly overwhelmed by all the options. I had a car accident about a month ago—someone ran a red light, and I ended up with a moderate shoulder injury that required an MRI, plus some time off work.

Every law firm’s website seems to say the same thing: decades of experience, fighting for you, etc. I can’t really tell them apart, and I’m worried about making the wrong choice. How do people actually narrow it down beyond the marketing?