What to do when the at fault party's auto insurance company is dragging their feet?

What to do when the at fault party's auto insurance company is dragging their feet?

A week ago I was in an accident. The guy ran a red light and hit me. His car had minor damage, mine had to be towed and I havn'-t seen it since. His insurance (state farm) says he will not answer his phone and until they speak to him they can do nothing. My insurance (geico) says the only thing they can do for me is to file it against my insurance, pay my $1000 deductible and hope one day to get it back. I have been without a car for a week now, been to the doctor twice, and can'-t get a rental car much less mine fixed until they speak to their customer. I'-ve never been in an accident or even filed any type of claim before but this just doesn'-t seem right or fair. Any advice you can offer is appreciated.Side note--- my car is brand new with almost 10,000 miles on it.

betty416

It's awesome when people don't cooperate, isn't it? -) Go through your insurance, pay your deductible, and get your life back to normal. Let your insurance go after his to get reimbursed - let them deal with the hassle - whenever that happens - who knows if/when this guy is going to answer his phone. Sometimes your insurance company will waive your deductible in situations like this. Unfortunately, a lot of insurance companies have policies like this... when you're on this end of it, it seems stupid, but you probably wouldn't want your insurance to pay a claim someone made against you without at least confirming with you it actually happened, etc. They may also need other information to see if the particular car/driver etc would be covered under the policy.

Entidtil

There is no insurance company in existence that will (can) do a thing until/unless they can speak with their insured. You were given good sound, accurate, logical advice. That is to use your own collision insurance. Why haven't you done so? That is what it is for. By doing so, you get your car fixed, you may get a rental and best of all, you make your insurance company do all of the work for you. You won't have to lift a finger. You will almost certainly get your Entidtil

There is no insurance company in existence that will (can) do a thing until/unless they can speak with their insured. You were given good sound, accurate, logical advice. That is to use your own collision insurance. Why haven't you done so? That is what it is for. By doing so, you get your car fixed, you may get a rental and best of all, you make your insurance company do all of the work for you. You won't have to lift a finger. You will almost certainly get your $1,000. deductible back.Why in heavens name are people so reluctant to use their insurance? Isn't that why they have insurance in the first place?When you have insurance..... USE IT !

,000. deductible back.Why in heavens name are people so reluctant to use their insurance? Isn't that why they have insurance in the first place?When you have insurance..... USE IT !

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