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Personal injury cases are legal disputes that arise when one person suffers harm from an accident or injury, and someone else might be legally responsible for that harm. And to get the compensation or the recovery amount from the insurance company or from the another person, a personal injury lawyer is being hired. The lawyer helps the victim or the injured person to file a case against another person, business, corporation, or government agency, alleging that they acted carelessly or irresponsibly in connection with an accident or injury that caused harm to the person.
The insurance follows the car, not the driver. If the person driving your car does not have a drivers license and you knowingly let him or her drive the car, that is a crime and all bets are off when it comes to your insurance company paying a claim if they get in an accident in your car.
Talk to your insurance company first. If they are giving a discount based on these safety features and you choose to circumvent them and down the road you have an accident they may choose to deny your claim.
You have to keep up your payments, regardless. You need to fight with your insurance company about their failure to pay the claim. Unless they have reason to suspect YOU of the theft, they have to pay, that's why we buy insurance. Call a lawyer
your insurance agent would be happy to answer this question for you, however they will be suspicious as to why you did not claim it then and why you now want to claim it. also with that much time in between proving any existing injuries stem form that accident or damage to your vehicle is going to be tough..
If you have an accident report from the police department, there should be no issue. This is just one reason that all accidents should be reported if for nothing more than your own protection and of course most jurisdictions require it by law even for minor fender benders. You still can file a report with the cooperation of the other driver, though, and that should certainly be enough because you are both signing an affidavit to the events and the insurance company can't refuse. Your state has an insurance commissioner. Do you want to see your insurer jump? Contact them and make them aware that you are filing a complaint with the state insurance commissioner. If that doesn't get them to change their mind while you're on the phone with them then file a complaint with the commissioner's office. You'll get results and it won't take long.
Without looking at it be very hard to give an estimate, if it's driveble I take it to a body repair shop or some time's they come to you, also your insurance company should be able to help you with this also.