<prompt> Human: My friend was involved in a crash with another car driver at fault. He had to be taken to ER after suffering minor injuries and his car is beyond repair. Injuries are not life threatening or disabled but enough to keep him out of work for few days. He has liability only insurance but we dont know if the other driver does or not. Waiting for the police report for more clarity on that.Some of his friends are advising him to lawyer up immediately. I think that is an overkill and he should first get information on the driver. How does someone take care of the costs of hospital bills and replacing the car? I want to help him though this process the best I can. So needed advice on how to go about the finances and recovery.  <response>: The other persons insurance provided they have it will send and adjuster to pay out for a new car. If your friend has underuninsured policy he could make a claim with his own policy for the time being, and let his insurance go after the other driver. There are some reservations about this, but it will be the most painless.That being said, with having gone to the ER I would at least go have a free consultation with an attorney to see what monetary damages should be awarded and there definitely should be some for loss of wages at work, inconvenience, etc. 