Got hit in a parking garage, other driver's family pressured me to keep it quiet — now what?

The document runaround is VERY normal unfortunately. They did the exact same thing to me after my accident — kept saying they "never received" things I definitely sent. Start keeping a log of every call and email with dates. It saved me so much headache later.

That cash-on-the-spot offer right after the crash? That's a red flag. It means he knew he was at fault and wanted to make it disappear before you understood how hurt you actually were. The slow document shuffle from his insurer is just the next version of the same play — delay and hope you get frustrated and settle cheap. Don't.

I used to work on the claims side and I'll be honest: the repeated "resubmit" requests are sometimes a stall tactic, especially when liability isn't locked in yet. They're hoping you'll get tired or confused. Send everything certified/traceable and keep copies of your confirmation. Once you do that, it's harder for them to claim they never got it.

Also — a partial rotator cuff tear is not a minor injury. That's potentially surgery, physical therapy, time off work. They know that too.

Please follow up aggressively on that rotator cuff. Partially torn doesn't always mean "it'll heal on its own" — some of those progress if you keep using the shoulder without treatment. Make sure you have an orthopedic consult, not just the MRI referral. And document every symptom, even the ones that feel minor, because chronic shoulder issues can really affect daily life long-term.

To answer your question about who does what: your own insurer may step in under your collision or uninsured/underinsured coverage depending on your policy, but they'd typically go after the at-fault driver's insurer through a process called subrogation. You shouldn't have to fund the fight yourself.

That said — with an injury like a rotator cuff tear, you really want a personal injury attorney involved before you give any recorded statements to either insurer. Many do free consultations and work on contingency, so there's no upfront cost.

Not legal advice, but: the combination of clear liability (he came around a blind corner too fast), documented structural injury, and an already-hostile claims process is exactly the fact pattern where having legal representation tends to matter most. Insurers generally move differently when an attorney is on the letterhead. Worth at least one free consult before you say much more to adjusters.

The part about his family crowding around you and pressuring you at the scene honestly makes me so angry on your behalf. You were hurt and scared and they were working you. I'm glad you held your ground and didn't take the cash. Please take care of yourself through this — rotator cuff injuries are no joke and the stress of dealing with insurance on top of it is exhausting.

Quick question — did you get a police report filed at the scene, or just exchanged info informally? That can matter a lot when liability is disputed. Also, do you have any dashcam footage or did the garage have security cameras? Parking garages usually do and that footage gets overwritten fast if you don't request it quickly.