5 车连环撞, 两车在我之前, 两车在我之后.险 我刹车并fully stopped, 当看到前车突然刹车. 然后被后面track冲撞, rear-ended to 前车. 警察报告认为最后driver引起这连环车祸. 两个半月调查后, 他的保险公司说虽然我的前车说只感到一次impact, 但我后面track司机说看到我先撞到前车, 这司机刹住了车, 然后被最后车相撞才撞向我. 所以保险公司不肯全赔我的damage. 感觉track司机从他的角度看误以为我已撞上, 保险公司却抓住这不肯放. 我认为如 果我rear-end前车在先, 然后再被track撞, 我的前车将会感到第二次impact. 那adjustor 很难沟通. 我的车已不能起动, 前后都有damage. primary estimation is about $6500. 我们今年刚刚撤掉collison coverage. 所以必须deal with it ourself. 有些问题想请教大家, 恳请指教.
- 我包险公司建议escalate to that adjustor's boss to get the decision reviewed/changed. I am not sure if this can work out, 是不是应该直接去small claim court?
- 如果去small claim court, 是不是应该sue最后driver?
- primary estimation is not exactly real cost, should I take it as claim value, or just ask for 'whatever it costs, but no more than 10000"?
- should I be responsible for the other side's expense to attand hearing (such as off work, witness travel cost)?
在此先谢了.