If you only suffered property losses in the accident and were not injured, you may be able to handle the at-fault driver's insurance company without needing to get help from an attorney. If you have been left without transportation and have not been given a rental car to use until your claim is settled, you can start by calling your own insurance company. Your company may work to force the at-fault driver's insurance company to pay for a rental vehicle while you are waiting for your claim to settle.
If you receive a notice from the at-fault driver's insurance company that it is denying your claim, you will want to ask for a copy of any evidence that they relied on and for a list of reasons for the denial in writing. The companies must give you this documentation if you request it. You can also file a complaint with the insurance department while you work with your own company. Your insurance company may pay for your vehicle repairs and fight the other company to be reimbursed.
If you still do not have any luck, you can file a claim for your property losses on a pro se basis in the Justice Court if your losses totaled $10,000 or less or in the Superior Court if they totaled more than $10,000. Before you file a lawsuit, you can first send a demand letter to the insurance company in which you demand the fair settlement amount that you are owed. In many cases, insurance companies will go ahead and settle property loss claims without people ever having to file lawsuits against them.