Was she injured? What damages & was car totaled? You deal with your own insurance company just like it wasn't yours. Cause the fact of the matter is, the insurance companies are only looking out for themselves and not anyone else including their insureds.
Depending upon state law, they may, after making that determination by looking at the accident report, charge the accident off against the other guy's policy and his liability insurance. You don't want it charged off against you on your collision coverage which in insurance terms means your wife was at some fault and therefore a black mark against you on your policy come rate fixing time.
Talk to your agent who may or may not help you much. If there wasn't an injury severe enough to reach the pain and suffering threshold in your state, an attorney won't give you the time of day except at his hourly rate.
Lastly, I hope she went to the emergency room and got xrays if there was any hint of pain from a whiplash injury. You will have to fight to get medical coverage if it shows up sore later. Then it will take xrays, cat scans, and mri's to detemine if the injuries came from the accident or were preexisting. Any time between the accident and medical treatment will be treated by the insurance company that there was some other intervening cause for the injuries such as a slip and fall in the bathtub. Then they will resist paying for the medical under the auto policy fault or no fault.
Good luck. Everything is a fight with the insurance company including the value of your own car and what condition it was in. You want blue book value and they want to pay black book value to keep their profits in the black.
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Today's Featured Article - Show Coverage: Journey to Ankeny - by Cindy Ladage. We left Illinois on the first day of July and headed north and west for Ankeny, Iowa. Minus two kids, we traveled light with only the youngest in tow. As long as a pool was at the end of our destination she was easy to please unlike the other two who have a multitude of requirements to travel with mom and dad. Amana Colonies served as a respite where we ate a family style lunch that sustained us with more food than could reasonably fit into our ample physiques. The show at Ankeny
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