Auto Insurance Claims: Other drivers insurance dragging feet?, own insurance, insurance company
QuestionI recently was in an accident in Il. My vehicle spun out on an icy road, and popped 2 tires. While my vehicle was sitting there, another driver slid into the front of it. The other driver's insurance company has looked at my vehicle and assigned an amount. However, almost a week has gone by, and the other driver has not called their own insurance company to give the official statement. I keep calling trying to get answers, but the claims contact keeps telling me they can't do anything until they hear the other driver's (their insured) version of events. Is there a time limit they have to do this? I'd go through my own company to get my vehicle back, but times are tough and I don't want my rates to go up and I can't really afford the deductible.
AnswerI have no idea what the time limit is as I do not know where you live and if there even is a written time limit.
In most states, there is no time limit on a third party claim. It is your choice to either let your car sit wrecked and file a lawsuit or call your insurance company and have them handle it.
I can tell you that no insurer will accept 100% liability on something like this. If the ice was so bad that you lost control to start with, then how would any one else be held to a higher standard?
This is why you have insurance.