My wife's insurance expired and she was injured and car totaled. If the other driver was cited what happens now?
My wife was in an automobile accident. Her arm, shoulder, wrist and stomach was injured. The woman who hit her admitted fault to the police officer and was cited for failure to maintain control. My wife let her insurance expire a few months ago (I know that is bad ). My wife's car is a total loss and we are wondering, what happens now? Will my wife's car be paid for? Will the other woman's insurance settle with my wife? Who pays the doctor bills? Do we need to call the other woman's insurance or call lawyer?
You need to immediately call a lawyer because your wife's lack of insurance will be great fuel for the other insurance company to lower her settlement. Your lawyer will do a number of things, including holding off the medical liens, so that basically they are waiting for settlement, will negotiate down the amount of the medical bills, will go through all of the economic and non-economic medical expenses to see what present costs your wife needs to be reimbursed, any future medical bills, and of course, pain and suffering. Further, your lawyer will help you negotiate for a replacement vehicle. You can try www.attorneypages.com, you can try the state bar, and check the lawyer's disciplinary record at the state bar to ensure this person is on the up and up.
Second, as just a side thought, make sure you talk to your lawyer before you get insurance for your wife. You don't want that action to somehow jeopardize your wife's claim.