- 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?
最好听从你保险公司的建议。当然更好的是买全保。
- 如果去small claim court, 是不是应该sue最后driver?
后面两个司机都要告，因为事实上他们两个里面肯定有一个造成了事故，多一个垫背的保险一些。
- 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"?
Ask for real cost, plus your loss of income due to absence from work, and any other fees, such as attorney etc. You ask for a big number and settle for a smaller figure.
- should I be responsible for the other side's expense to attand hearing (such as off work, witness travel cost)?
absolutely NOT。
