General Discussion

I have been in one serious accident and passed out briefly, I had a concussion so it took a while to remember it the right way, my brain reversed it. It was the start of chronic pain, with a severe whiplash/back nerve damage and other injuries.

I was in another high speed one where someone ran a red light and hit me but I was only very mildly injured due to him swerving and me speeding up.

As far as the insurance went, both cars were old and were totaled so ins paid a certain amount towards a new car as I recall. I was not at fault in either one. I was also rear ended by someone years later in stop and go, who did not have insurance. Her bf showed up and tried to pay me not to call the police. In the end we just reported to my ins, I had to because I had another more minor whiplash re-injury. Then a few years after that while shopping as a pedestrian, someone hit my cart and I fell down and my back/pelvis was re-injured- months of therapy and pain.

The hc part of the auto insurance companies are no fault so they will cover injuries, only up to a point though, and they assign percentage of blame in the accident. It sounds like this was 100% the other driver's fault here so I think his company will pay the value of your car if you own it etc. Your own company would pay for medical treatments you need. Call your insurance and ask them about it.

It will be a trauma, you will probably replay it for a while and then in time it will fade away. In mine where I was injured I was scared to drive through intersections, (someone turned in front of me in an intersection), for a long time. Even now sometimes, years later, I still get that feeling but not nearly as bad. The sound of the car hitting mine was like a bomb and it stayed with me for a while. I think if I had not had a sustained injury it wouldn't have lasted for so long. I also managed to drive between two trees, prolly saving myself, no airbags then. Not nearly as bad as possibly falling over an embankment.

Someone here said to get a lawyer and I agree if you are injured... get one. Your medical care could be a lot more expensive than you think and you could end up with sustained injuries and pain etc. I did for both accidents where I was injured and needed months of care and had a sustained injury. The first time the lawyer did a much better job, so pick a good one.