If the other party is refusing to call their insurance company - then you should call their insurance company and file the claim.
You will need to open a consumer complaint with ChoicePoint and get the accident fault indicator changed to N.A.F.(not at fault) on your CLUE report. Then notify your Insurance company after your CLUE report is corrected. Then the company will remove the premium impact of an "at fault" accident.
An insurance company can assign fault regardless if a police report is filed or not. A police report is simply a report made by a neutral party at an accident scene. I believe there have been cases where insurance companies have assigned fault to one party when the opposing party was initially named at fault in a report.
If the police report says the other driver was at fault, try to recover from his or her insurance company. If you don't have collision coverage, you can't collect from your insurance company.
The terms of your Insurance Contract always require that you report an accident regardless of fault. This is because even though you do not consider yourself to be at fault, the other driver may report the accident to them anyway. Better to be safe than sorry.
You only need to report it if you are expecting some compensation.,
We typically contact our insurance company and report the accident and the circumstances. That way the insurance company can pay the bills for you.Answerthe insurance company raises your rates and pay a deductable
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
You must do this right away.
Just file a claim with the other parties insurance company. You called the police and got an accident report, right?
Who is at fault has to do with the accident itself not the insurance coverage. A police report of the accident and looking at the proximate cause of the accident help determine fault.