Car accident and insurance?

My friend's car got hit from behind on the freeway and she only got libilities so her insurance doesn't pay to fix her car. The guy who hit her is a teen and his insurance is under his mom's name. His insurance is paying only $10,000 maxium. The cost for total fixing is going to be $13,561. My friend can't pay the difference of $3,561. Now what can she do? Is that the responsiblity of the guy who hit her? should he be the one to come up with the rest of the money? or is she out of luck? The car is in the collision center now. She's losing sleep and having headaches and sore neck, etc.. and missing work... and she still hasn't go see a doctor. Any advice for this poor girl?

Public Comments

1. Time to file suit. Call an attorney.
2. What she does is to get an attorney to take the case and NOT accept the deal the insurance company is offering her. It is the representatives job to pay her the LEAST amount possible. I wouldn't accept that - she can find an attorney that will take the case just for a percentage of the money that is received. The other guys insurance company is NOT her friend and while they sound like they are doing her a favor, they are paying her as little as possible. An attorney will make sure she gets money for time off, doctor visit, FUTURE medical expenses, etc. TELL YOUR FRIEND TO GET AN ATTORNEY! EDIT: She needs to go to the doctor right away.
3. Her insurance company should demand full payment from the other guy.