Asked by user in California. Answered by Enjuris Editors.
Assuming you were not at fault for the accident, you have 3 options:
File an insurance claim with your own insurance company (in which case your insurance company will seek reimbursement from the at-fault driver’s insurance company),
File a third-party insurance claim directly with the at-fault driver’s insurance company, or
File a personal injury lawsuit against the at-fault driver.
Keep in mind that there are certain steps you need to take before you can file a personal injury lawsuit against a government agency, and the deadline to file a claim may be shorter. If you choose to go this route, I would strongly recommend meeting with an attorney as soon as possible. You can locate an attorney in your area using our free online directory.