Legal Question in Insurance Law in California

My car was totaled in an accident. The value of my car is about $3000. I imagine that about $2000 of damage was done to the truck that hit my car. My insurance company believes that the other party is 100% at fault (I agree), but I don't have collision coverage for that car, so they won't negotiate on my behalf. His insurance company believes that we are each 50% at fault.

I think that my only recourse is to file a suit in small claims court in California. If so, whom do I sue? The insurer or the driver? Or is there a better alternative?


Asked on 9/12/16, 12:02 pm

1 Answer from Attorneys

You sue the driver. An injured party has absolutely no legal claims against the other party's insurer. The insurance company's obligations are solely owed to their insureds.

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Answered on 9/12/16, 12:12 pm


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