Car accident - insurance question

[Anonymous]

I was at a gas station putting air in my tires when someone hit my stopped car and caused quite a bit of damage. They tried to take off but I yelled for them to come back which fortunately they did.
It was a teenager driving someone else's car. He called his mother, who came to the scene and provided insurance information. I called the police and they did a police report. I called my insurance and they told me since I wasn't at fault, they do not need to get involved and that I am responsible for contacting the other insurance company, which I did.
They called me back and told me that the vehicle owner is not responding to their calls. Now what?

[Anonymous]

You send the insurance company the bills, or have the repair place send them to the insurance company. They will take care of it.

[Anonymous]

I think it’s BS that your insurance company won’t handle this.

[Anonymous]

Anonymous wrote:I think it’s BS that your insurance company won’t handle this.

Agree. Even if it's not your fault, it's their job to untangle. If the other person didn't have insurance, your insurance would pay through uninsured motorist. They handle everything.

[Anonymous]

What insurance do you have OP?

[Anonymous]

Huh? My insurance dealt with EVERYTHING even when I wasn't at fault. They took care of every single detail.

[Anonymous]

Your insurance should be handling this not you. Call back and speak with a different agent

[Anonymous]

Call YOUR insurance back and explain that you need them to open a case for you and handle the issue. You called the offender's insurance company and they refused to assist you because their client would not return their calls. So, now your insurance company needs to support you and get a response or handle like an uninsured claim.

[Anonymous]

One thing is the insurance you need is for the "someone else's car" the teen was driver. The teen's mother bringing you their insurance isn't really relevant -- it's the car that's insured, not the driver. Whose car with the teen driving?

[Anonymous]

You don't want to file a claim with your insurance because you have to pay the deductible.
Call the other insurance back and ask for supervisor. Talk to them and threaten to file a complaint with state insurance commission and/or civil/small claim. You have the police report.

Call your state insurance corporation commission and talk to them for advice. You might have to file a complaint.

[Anonymous]

You said the teen was driving someone else’s car. Was it his MOTHER’s car? Or, someone elses?

[Anonymous]

It is really strange your insurance company won't deal with it. I was in a no fault accident and my insurance company dealt with everything.

[Anonymous]

Just got off the phone from a long and helpful call with my own insurance company for an accident in which the other driver was determined to be at fault. I've never spoken with his company. The check is on the way.

You pay $ to your insurer. They should be handling this.

[Anonymous]

OP's insurance company is trying to save OP a buck and everybody here is calling OP an idiot.

Listen OP. Your insurance company is trying to hook you up here. If the other guys insurance is going to cover it, that is super easy. Go to your repair person and give them the adjuster number and sit back. Make sure that you get a rental.

Otherwise your company takes care of it all as stated above and your rates go up and you have to watch your insurance company settle nonsense claims from the other company and you are lucky to get off at 50% fault.

[Anonymous]

You may have opened a can of worms.

I had same thing happen recently.

My 20 year daughter kid borrowed my car and lightly scratched a parked car and of course found owner in the store gave them my insurance info and my phone number as my car.

He called me on phone one hour later all mad. I literally did research and hot names of two body shops near his house. I tell him get quote and I will literally prepay on my credit card for repair. He then demanded I meet him that minute at body shop bring cash. I could not I was in a meeting. But said anytime at all this week.

Well he called my insurance and reported it. Well my daughter was not on my policy and they refused it. Then he goes back to me demanding money. At this point I am more than happy to pay but my insurance says my rates go up either way. So I tell my insurance I gave permission to drive. She lives at school and is not a regular driver they agree to pay.

Now my insurance want to see the car, get copies of bills and they notice car had an at fault accident in similar spot paid by his insurance company. So they contact his insurance company to notify car in accident, it hits car fax his car in accident. So after six months of fighting the not gets car totaled in I related accident.

He never got paid. My insurance went up.

You called police, you got both insurance involved. At this point other party has no reason to cooperate. They most likely would like a call from you to let them pay to fix car directly and you withdraw that insurance claim.

My guy could have had car fixed next day. I still don’t know what he was trying to do. It was in my case literally a $550 repair.

I think we go overboard with police reports and insurance and sometimes it backfires.

Just stay on top their insurance either kid is on policy or owner has to say kid had permission to drive car.