You will have to take them to court if it was their fault. Many times you can garnish their wages for not paying up.
In a case of word vs word and no witness or other proof on either side, the insurance company has a responsibility to their insured and must take their version of the accident, in which case, they would deny the claim to the other party in the accident. what if the at fault driver admits her fault but insists to settle outside of her insurance, but meanwhile refuses to pay for the damages
I would take the person who caused your accident to small claims court. Make sure you have all your paper work in order and can state your case.
You only need to report it if you are expecting some compensation.,
He can get an assigned risk policy from any auto insurance company.
yes. you can sue an at fault driver if his insurance company refuses to pay your claim. it would not be proper to sue the insurance company.
Most companies do not require you to report the accident to your own insurance company, but if you later find out the person did not have valid insurance or the other insurance company refuses to pay and then you later have to file a claim on your policy, it will slow down the claim process. Plus, each state has a statute on the time limit you have to file a claim and want it to be covered.
If your contractor refuses to give you copies or originals of the insurance papers, contact the insurance company themselves. If the insurance company name is not known, call the state you live in to inquire.
That's your insurance companies problem, let them deal direct with them on your behalf (their job) and the two can decide which one pays. Just get some estimates and have the deductible ready.
Generally you first file an accident report and file a claim with the insurer. You would not need to consult an attorney at all unless the insurance company refuses to cover your loss.
Many health insurance companies offer what is called "Pay and Chase". Meaning, your health insurance company will pay your hospital claims and chase the automotive insurance for the rest of the money. It is possible that you may have this type of plan. If that is not a possibility to you, you could entertain the possibility of legal action. It might be far less costly and stressful to contact your insurance company first.
The insurance company will pay you the worth of your car minus your deductible.
Insurance Policy Information is covered by the Federal privacy act. You will have to ask them for their insurance information, If you have been involved in an accident and the other party refuses to release that information to you and you have a bonifide claim, Then you have the option to sue the responsible party and have the court order the information to be released to you.