What do I do?



Someone hit the back of my car and didn’t have insurance. I only have liability so my insurance won’t cover it . I don’t know how to get my car fix . Should i sue the person or press charges?
Hopefully, you called the police right when this occurred and have a police report. It will be up to the solicitor's office on whether or not to file charges. Unfortunately, this person may be judgment proof. This means that even if you were to sue them and successfully obtain a judgment, you may have no way of actually collecting against that judgment.
"the other insurance company is only offering to pay $15,000 because that is what the other driver's coverage limit is. in a situation like this, typically [uninsured/underinsured motorist coverage](https://getjerry.com/car-insurance/uninsured-motorist-coverage) or [collision coverage](https://getjerry.com/car-insurance/collision-insurance) on your own policy would cover this. 

however, most [car insurance](https://getjerry.com/car-insurance) carriers require that anyone who drives the vehicle be listed on the policy as a driver. while insurance does often follow the car, carriers can deny a claim if a household member, or full-time driver, is not listed on the policy or is excluded from coverage. 

it's extremely important to always list anyone who frequently drives the vehicle. insurance carriers base their rate on this and it will ensure your vehicle is always protected, regardless of who is driving. 
" "when you don't pay your [car insurance](https://getjerry.com/car-insurance) bill, your coverage can be canceled. without insurance, you won't be covered in the event of an accident. this means that you would be responsible for any damages or injuries you cause.
 
if you don't pay your bill, you could also face higher rates with insurance carriers down the road. carriers look at your prior insurance history when deciding on your rate. if they see that you had a policy canceled for non-payment, you could face higher rates than someone who pays for their car insurance on time.
 
if cost is an issue, you should shop around. you can request [car insurance quotes online](https://getjerry.com/car-insurance/car-insurance-quotes-online) to find the best price for the coverage you need.

if you’re shopping for car insurance, [jerry](https://getjerry.com/signup) will generate competitive quotes from top providers in less than a minute. " "in most cases, when a [car insurance company](https://getjerry.com/car-insurance) makes a medical settlement, they will send the check directly to the *victim*, even if they make it payable to the hospital or medical provider as well. 

it's up to you to make sure you use this money to cover your medical expenses. once a claim has been settled, your insurer won't make additional payments. 

if you want additional medical support, consider adding [medpay](https://getjerry.com/car-insurance/medical-payments-coverage-medpay) (medical payments coverage) to your policy." 

**more**: [types of insurance](https://getjerry.com/car-insurance/types-of-car-insurance) multi-car accidents are sometimes very difficult to sort out. in most jurisdictions, there is some shared responsibility between the parties. since you hit the truck in front of you before the car hit you from behind, you would be responsible for the damage to the front of your car. the person who hit you would be responsible for the damage done to the back of your vehicle. i don't think you're going to be able to fix it. can you drive the car? have it towed to a shop and get some help--you have a serious problem or several problems. report the incident to the police & to your home insurers before you do any cleanup. take pictures (with obvious landmarks like trees, other buildings, etc. so the vandalism can be identified back to your property) of the mess so you have some evidence. give the best description you can and you'll be asked if there's anyone you might suspect. If someone calls you on it, just explain that you saw no damage and - well - basically tell them what you told us. You'll be fine. if you have hired help, it is crucial to talk with your agent about what you are and are not covered for. this can be different in every state and every situation. 

for example, if the babysitter you get from time to time is hurt on your property, your policy will cover this. however, if you directly employ a full-time nanny, they may not be covered since in some states, you would be required to provide workers’ compensation insurance. 

also, there can be a difference depending on whether you directly hire someone or if they are part of an agency that you contract through. usually, if your employee is part of an agency, they will already have insurance with that company. 

as you can see, there are a lot of potential scenarios to consider, and it would be best to speak with your insurance agent. this is a situation where most people are not adequately protected. "yikes! that is a big difference!

while there's nothing you can do to repair your claims history, you can shop around for better rates by comparing rates for [home insurance online](https://getjerry.com/car-insurance/car-and-home-insurance). 

you may be able to get better rates by bundling your home and [auto insurance](https://getjerry.com/car-insurance). 

if you want help comparing rates, leave the hard work to [jerry](https://getjerry.com/signup). jerry pulls quotes from the top 50 providers and delivers the best deals to your phone in minutes. 

the average homeowner pays about **$1,200 a year**, so you're right in thinking that you're paying a lot. in the future, you can safeguard your house against leaks or choose to pay for them out-of-pocket rather than adding to your claims history." 

**more**: [11 car insurance hacks to save you money](https://getjerry.com/car-insurance/car-insurance-hacks) Hello Jackal, thank you for asking at HealthReplies.com.



  

Injury in sports or self-defense training is quite often experienced because in these activities quite a lot of things are at high risk of causing injury to certain body parts especially if not done in the right way and there is no good security during the activities carried out.



  

Even though there are no visible signs of injury in the area you are complaining about (such as bruising, swelling, or redness), it is still advisable to check the complaint further to the doctor to determine whether there is a serious injury that occurred to you due to the complaint indeed it can be caused by a broken rib / crack or an injury to the chest muscles.



  

After ascertaining what condition you are experiencing, then you can also determine what therapy should be given based on these conditions.



  

Meanwhile, if the complaint is felt to be very disturbing, you can try taking pain relievers such as paracetamol according to the dosage on the package or applying topical pain reliever to the painful area, until there is further advice from the doctor. It is not advisable to massage the painful area until there are other suggestions from the doctor who examined you.



  

I hope this helps.