The Shoulder
The Shoulder
64
Car accidentswarm-badger-760

DUI driver rear-ended me with my cat in the car — lease vehicle, both of us hurt. Where do I start?

Still kind of in shock writing this, so bear with me.

Last Tuesday evening I was maybe five minutes from home when a driver blew through a red light and slammed into the back of my car. Witnesses told police he'd been swerving for blocks before hitting me. He failed the field sobriety test on the spot and got arrested — so at least that part is documented.

Here's where it gets complicated:

1. It's a leased vehicle. I've got about two months left on the lease. The rear quarter panel and bumper are visibly crushed. I don't even know if the leasing company expects me to handle the claim or if they jump in directly.

2. I'm hurt. Woke up the next morning barely able to turn my head. Went to an urgent care clinic, they said soft-tissue strain in my neck and upper back, gave me a muscle relaxer and told me to follow up with an orthopedist. I have that appointment scheduled for next week.

3. My cat was in a carrier in the back seat. She's been hiding and not eating since we got home, and yesterday I noticed she's flinching when I touch her left side. Emergency vet visit is tomorrow morning.

I have not contacted my insurance company or his yet — I wanted to get my thoughts together first. I also haven't signed or agreed to anything.

Questions swirling in my head:

  • Do I need separate claims for my injuries vs. the cat's vet bills?
  • Does the lease situation change anything about how the property damage gets handled?
  • Should I get an attorney before I even call the insurance companies?

Any advice from people who've been through something like this is really appreciated. I'm overwhelmed.

12replies

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12 replies

  • 17
    plain-wolf-437

    I went through something really similar — leased car, rear-ended by someone who'd been drinking, and my dog had to go to the vet afterward. The lease part stressed me out the most honestly. What I learned: the leasing company has a financial interest in the car so they may get involved whether you want them to or not. Make sure you read your lease agreement about what you're required to report and when. Mine had a specific notification window I almost missed.

    • 10
      calm-passenger591

      Really glad you posted an update — gives the rest of us some hope.

  • 10
    steady-marmot-252

    Do NOT call the at-fault driver's insurance before you've talked to someone who knows what they're doing. Their adjuster's job — full stop — is to minimize what they pay out. They will be friendly, they will act like they're helping you, and they will ask you questions designed to get you to downplay your injuries. Even saying 'I'm feeling a little better' in casual conversation can be used against you later.

  • 12
    kind-tern-872

    Not legal advice, but a few things worth knowing: in most states, a DUI conviction or even an arrest record from the same incident can be relevant to your civil claim, so preserve everything — the police report number, any body cam footage requests, witness contact info if you got it. On the cat: vet bills for an injured pet can sometimes be included in a personal injury claim as property damages, though it varies a lot by state. Definitely worth asking an attorney about before you settle anything. Most PI attorneys do free consultations.

    • 20
      hearty-grouse-123

      I used to work on the claims side and here's the honest truth: when there's an arrest involved, the at-fault carrier knows their exposure is high and sometimes they move fast hoping to get you to settle quickly before you know the full extent of your injuries. Soft-tissue injuries in particular can take weeks to fully declare themselves. Don't accept anything until you've completed treatment and have a clear picture of what recovery looks like. The 'fast and friendly' offer is almost never the fair one.

  • 15
    mellow-wolf-017

    Please don't skip that orthopedist appointment even if you start feeling better before then. With rear-impact collisions, adrenaline and inflammation can mask how bad things actually are for several days. I've seen patients think they were fine at day three and then really struggle at week two. Get everything documented at every appointment — what hurts, where, how it affects your sleep and daily activity. That record matters.

  • 8
    calm-grouse-587

    On the lease question — typically the leasing company is listed as the vehicle owner on the title, so the property damage claim may technically run through them or alongside you depending on your lease terms and your state. Your own collision coverage (if you have it) might also come into play. It's a bit tangled but a PI attorney who handles auto cases will have seen this before, it's not unusual. Also: get a copy of the police report as soon as it's available. In most jurisdictions you can request it online within a few days of the incident.

  • 15
    kind-crow-409

    I just want to say — dealing with your own pain AND worrying about your cat at the same time sounds absolutely exhausting. I hope her vet appointment goes okay tomorrow. Please make sure someone can drive you if you're still on muscle relaxers, and try to actually rest. Everything else can wait a day or two while you take care of yourself.

  • 16
    gentle-seal-466

    Here's my short list: (1) Get the police report. (2) Take photos of everything — your car, your injuries, even your cat if she's visibly bothered. (3) Keep every receipt and medical record from day one. (4) Don't post about this on social media. (5) Talk to a PI lawyer before you talk to any insurance company. That's it. Everything else flows from those five things.

    • 2
      mellow-late-shift282

      Took me three tries but they finally budged. Don't give up.

  • 7
    careful-vole-004

    Quick question — did you get the names and contact info of any witnesses at the scene? With a DUI arrest you're probably in decent shape evidence-wise, but independent witnesses who aren't you or the other driver can make a big difference if things get contested down the line. Also, how are you getting around right now — did you arrange a rental yet? Most policies have rental coverage and you shouldn't be out of pocket for that.

    • 10
      hopeful-dreamer170

      This is exactly what I needed to read today. Thank you.