Person at fault wont return calls by their insurance agent

by Ray
(Fuquay Varina, NC)

I was hit from beyond on 09/29/09.The driver who hit me was driving his fathers car. I called in the accident on the day of the accident to his insurance company.

The police came to the accident and we exchanged information.

The driver admitted the accident was his fault to myself and the policeman. No citation was issued.

His insurance company told me to get an estimate, which I did using who they recommended. The issue is that the accident is still under investigation because the owner of the policy will not return any phone calls to their insurance company.

What do I do? Thanks!


Answer:

Hello Ray,

This is a common problem. Insurance companies MUST wait to verify the person driving the vehicle is an insured or at least is a person driving with permission. The policy is an asset that belongs to the policy holder and thus, the policy holder must be informed of what is happening with it.

The problem is what if they are not making contact? It leaves you hanging for a period of time. Some insurance companies will allow you to provide the police report and from that information pay the claim (if fault is absolutely clear). Some will wait for contact. They have to make a decision within 30 days of filing the claim.

If this is too long for you to wait, consider making a claim against your won insurance company under your collision coverage.

I hope this helps

Good Luck,
http://www.auto-insurance-claim-advice.com