I was involved in an accident about a month ago. My insurance company said that if they were handling the case, I would be 0% at fault, and the other driver would be 100% at fault. The other company told me today they are denying responsibility for the accident because "I was changing lanes during the accident". I told them I had already made the lane change, and was stopped when he hit me, and that all of their correspondence with me reflects that, as does the damage. They got flustered, and told me that If I disputed the claim I could go through my insurance to fight it. I don't want to have my insurance do this because I'd rather pay the damage than see my premiums increase over $900 of damage.
Anyone know about small claims court, or how to start a claim?
Do I need a lawyer for this?
Will I get my ass handed to me if I don't lawyer up?
Do I go after the insurance company, or the driver directly?