How on earth did he deny fault? Did the insurance company deny your claims? If so based on what grounds? They must tell you why they are denying the claim, in writing. There are several ways to go, and this might be what happend, in these accidents, there are many questions that must be answered paramount is number of impacts felt. Might be good idea for you to have your company repair your vehicle then they will hash it out with the farthest back drivers company. If you could give me more info/details I could perhaps help you more.
No health insurance company denies anyone health insurance for being gay.
If the other party has insurance then their "property damage" coverage should cover damage to your vehicle. If you happen to be at fault or there is some question as to who is at fault then it might be hard to collect from their insurance company. Only if the other party is at fault. If you have collision insurance, you can file the claim with your own agent. Then you will be paid for your damages, less your deductible, and when your company collects from the other company you will also get your deductible. If you do not have collision, you will have to file your claim directly with the at-fault driver's insurance. If the company denies your claim (and unless there is very compelling evidence that their client was at fault, they will), you will have to sue the driver. Then, IF YOU WIN the lawsuit, their insurance will pay.
Then it's time for a lawsuit.
== == If secondary insurance denies coverage, YOU get to pay the bill. == ==
Never admit to liability in an accident. Exchange your details and let the insurance companies deal with it.
Let your insurance company/agent handle the claim--they will collect from the other insurance if there is a valid claim. You'll need a police report.
Contact the insurance commissioner for that state and file complaint
The only step you have left is to sue the driver of the other vehicle. Keep in mind, it is your responsibility to prove that the other driver was at fault.
Read your policy
If they denied that claim for cause, such as fraud, then there is nothing you can do. If they did not have cause, you can try contacting the department of insurance in your state. That is of course, as long as you had comphrensive coverage on the policy. If you did not have coverage, they do not have to pay for anything.
Perhaps the best answer is "yes and no". If your auto insurance company denied the claim of another party with whom you had a collision, it was either because you did not have liability coverage to protect you from the claim, or because your insurer, after investigating, did not believe that you were at fault. If the other party had liability insurance, the insurer can deny your claim for the same reasons. If this happens, the other party is generally free to sue you, in which event you need to turn the suit papers over to the insurer so that it can defend you (if you had liability insurance). If you did not have liability coverage, you will have to defend the suit yourself. In all events, you have to act promptly, or else you may lose by default. When you (or the insurance company) respond to the lawsuit, if you have a claim against the other party arising from the same occurrence, it must be asserted as a "compulsory counterclaim". If it is not, you will lose the right to assert it as a separate suit. If the other party had liability insurance that covers your counterclaim, it will defend the counterclaim. The ultimate result will either be that the claim(s) are settled or resolved by the court after a trial on the merits.
Yes, If you are in an at fault accident for which your state law requires you carry the appropriate coverage and the insurance you bought does not cover it. Then you were in fact uninsured for that accident and you are not in compliance with your state law regarding your financial responsibility.Basically it means that you did not have the minimum coverage required by your state.