Still driving my wrecked car every day because I have no choice — anyone else done this?

The other driver's insurance dragging their feet on fault is textbook. They do it hoping you'll get so worn down you accept a low offer or drop it. Don't let them outlast you. Keep calling, keep documenting, and don't agree to anything verbally that you haven't seen in writing.

File a complaint with your state's department of insurance if they keep stalling. Insurers have legal deadlines to acknowledge and respond to claims. Most people don't know that and adjusters are counting on it. A DOI complaint creates a paper trail they really don't want.

Yes, I did this for almost two months and it genuinely messed with my head more than I expected. Every single commute felt like a small anxiety attack. What helped me a little was taking a slightly different route so at least the scenery wasn't identical to the crash. Sounds dumb but it broke the pattern enough to get me through the day.

Not legal advice, but when an insurer drags out a liability determination this long on a rear-end collision, that's sometimes the exact moment people benefit from having an attorney send a letter on their behalf. Insurers often respond differently when they know someone has representation. Most PI attorneys do free consults — worth a call just to understand your options.

I know it doesn't feel like it right now, but the fact that you're documenting everything, asking questions, and not just rolling over is going to matter. People who stay engaged with their claim almost always end up in a better spot than people who give up and accept whatever's first offered.

What you're describing — the grip tension, the startle response to brake sounds, hyper-alertness — that's a really normal trauma response and it shouldn't be dismissed just because you didn't break any bones. Please mention it to a doctor if you haven't already. Anxiety and PTSD symptoms after accidents are legitimate injuries too, and documenting them matters both for your health and potentially for your claim.

Honestly I just feel for you reading this. The fact that you're still showing up, still getting your nephew, still doing life — that's genuinely tough and you should give yourself credit. I hope this gets resolved soon because nobody should have to live in that daily stress.

Quick question — did you get a police report filed at the scene? And did the other driver's insurance actually send you a written denial of the rental or are they just saying it verbally over the phone? Those two things change your options a lot.

A couple of things worth knowing: if the other driver is clearly at fault, their liability coverage should cover a rental while your car is being repaired or until they total it out — that's called loss of use. The fact that they're disputing fault is what's blocking that right now. If you can get that fault determination resolved, you may be able to push for rental reimbursement retroactively for the time you've been without one. Keep every receipt for anything accident-related and log your mileage driving this damaged car.

Worked claims for years. The dispute on fault when someone rear-ends you is often a stall tactic more than a real legal question. Rear-end liability is pretty straightforward in most states. If you haven't already, get a copy of the police report and send it to them in writing. That usually moves things along faster than phone calls because it's on record.