Hi MeFi, I was on the receiving end of a car accident which occurred last week during rush-hour. I was traveling home from work on a very busy Charlestown Ave when I got had another car smash into mine. I had a bad case of whiplash and went sorta blank for a second but after I came out of the car I noticed a busted BMW behind with a driver still sitting there. The girl from the second car fled the scene. My suspicion was that she didn't have a license or didn't own the car or both. So in short, BMW (Car A) > smashes into grey vehicle with (Car B) which in turn smashes into me (Car C). My insurance adjustor is saying this is a complicated case because of how 'many impacts' I felt or heard. What the hell does this even mean? It felt like someone hit me with a hammer. He said the first party which caused the scene hasn't yet accepted responsibility and they have 30 days to do it or not. I'm sorta left broken and had two trips to ER and two MRIs taken which showed I have an upper disc injury in neck and shoulders. The back side of my car is completely damaged with me being unable to shut my trunk. It is still drivable but it looks like hell. I don't want to dish out $500 for a rental since I'm already drowning in bills. Insurance is telling me that I can't get reimbursed for the rental until someone accepts responsibility. Is this how it usually goes with insurance companies in USA? I'm flabbergasted. Should I get an attorney?
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