by arvad » Thu Nov 24, 2011 7:11 pm
It appears from your description that you were not at fault, especially since you stopped.
When the police report is finished, you can get a copy. It will have all her information and the facts of the accident. It isn't the officers job to assign blame, only to report the facts and issue tickets if any laws were broken.
No, you don't need an attorney unless you feel some compelling need to give away about a third of what you are entitled to.
Just make a report to your insurance making sure they have a copy of the police report, and follow their advice.
If for some reason the other insurance decides to not accept blame, then you can come back and ask the attorney question.
In Alabama they have a data base with insurance information that law enforcement can access, so she didn't have to dig in her glove box for the insurance card.