head on collision with uninsured driver?

The insurance that covers the car will cover the damages. When you borrow a car, you also borrow the insurance on the car, which goes with the car, not the driver. Make the claim.

If your lawyer is saying that, it's time to find someone else to represent you.

jesus can you people not read? She said the insurance company IS responsible but only for the amount on the policy, but at 10 weeks the costs have exceeded that. Next sue the driver...I imagine the injured parties insurance is going to have to help out..most ppl have uninsured/underinsured mootrist protection

I believe it is the car that is insured, not the driver. So you still may be compensated by the vehicle owners insurance. If not, you may have to use your own collision insurance or uninsured motorist damage if you have it on your policy.

If you have to pay your deductible, rent a car and or go to the doctor you may need to go to small claims court to try and recuperate your losses.

Good luck!

@ Integra, yep..I can read...did you notice our answers were posted prior to her adding additional details.

the car was insured, so you should get whatever that policy covers

then, your own uninsured/underinsured driver coverage on your own policy should cover whatever it covers

then, you sue the driver at fault for negligence

but of course, uninsured drivers tend to have no assets.

Where does your own health insurance play into all this?

The insurance company isn't obligated to pay more than the stated limits of the policy, PERIOD. To get more than that, you would have to sue the individual - for what that's worth.