Thanks for all the advice. Only have one accident before, and that was in a no-fault state and 20 years ago. I have not yet been able to get information on the insurance company of the woman who hit me. She refused to show me an insurance card or show me a driver's license, although the police officer said she gave him the information. Her insurance company has not been in touch with me. It's not on the accient report that I picked up last week. Anyone involved in a wreck has to file a separate form with Tennessee state within 20 days, giving insurance info. You aren't required to present proof of insurance to get a license or a tag in Tennessee. However, you do have to be able to prove "financial responsibilty" if asked to produce insurance. The whole thing is pretty confusing and not helped by the fact that my insurance agent is in Georgia. I've faxed my agent the information I got and she should handle the negotiations for recovering the money from the other party. I do have very good insurance. Includes rental car, uninsured and underinsured motorists, etc. Even covers my medical expenses if I'm hit by a car while crossing a street. It's a small company that just operates in the Southeast. Rates have been excellent and I've been with them for 13 years. I hope that will work in my favor.
snipped-for-privacy@madmousergraphics.com