subrogation: to legally step into someone's shoes.
You file a claim with your insurance company, they step into your shoes and sue, because they now have an interest in getting a settlement from the other insurance company.
Both companies will try to limit their exposure. Don't take your first offer from your company, and give a counter offer higher than what you ultimately want. Negotiating 101.
This thread is a prime example of why one should have a camera on their cell phone, or carry a cheap disposable camera in your car. I don't do it, but this thread makes me want to correct that.
People will think twice about lying when you have their picture, and since they are in a public roadway, they can't object to anybody taking pictures.
If all else fails, if you had the pics you could spend a hundred bucks or so plastering her picture everywhere within a 10 mile radius, with a reward for her iden y. Nothing like unwanted publicity...
Here is a link on how to negotiate with an insurance company.
and other
or just do the google thing here and see how many good articles there are, I just posted the first two from this search.
With 5,000 dollars at stake, spending 5 hours reading up, and 15 hours negotiating and researching is essentially $250/hr tax free.
You will never be paid better for your time, unless you look like Eva Longoria, or are the CEO of Home Depot...
got the license plate number?
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