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An Uncooperative Insurance Party

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 12/20/2015

What to do when the other party in an insurance claim refuses to cooperate.

Q:  My son bought a new car and someone already backed into him. It was a hit and run and he followed the driver to their destination. He called the police and they did exchange information. We filed a claim with the other driver’s insurance and sent a copy of the police report and an estimate of repairs. The insurance company refuses to return our phone calls and says they cannot do anything until their client responds to their calls. We have a police report – shouldn’t that be enough coupled with the client’s refusal to cooperate for them to pay our claim? Who do I contact about them not returning our calls?

HELP! Thanks!

A: So sorry to hear about the other party refusing to cooperate. There are two things you can do in this case and both call for you to stop contacting the insurance company you have been trying to work with.  First, if the other party confessed to being at fault for the accident and it is in the police report, contact the insurance commissioner for your state.  If you have an official confession, there is no reason for the insurance company not to process their claim just because they can’t get a hold of their client.

Your only other option is to file a claim with your insurance company for the damages and then they will go after the other person and the other insurance company for you.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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