They don’t speak directly with the policyholder, they talk with the policyholder’s insurance company.

It’s their responsibility to pay you, and to work it out themselves with the other insurance company.

Contact the Insurance Commissioner’s office. They have a lot of clout.

I don’t think so, call a lawyer.

I would call a lawyer and just ask them, maybe you will have a case. They make it hard on you so you will just give up.

I was just in an accident a couple of weeks ago, and had the same problem. The other parties insurance company has to do two things; come in contact with the plicy holder in order to insure that this really happened, and if they can’t do that they have to wait for a police report. Legally, they have 30 days until they have to do anything if they can’t get ahold of their policy holder, even if they get a police report. Good Luck

Sounds like they denied or disclaimed coverage, not that they denied liability. The policy contract they have with their insured requires that he report claims and assist and cooperate with the investigation. If he fails to do so, violating his contract, then they can possibly disclaim coverage, which makes him uninsured. Check into whether you can make an uninsured motorist claim with your own insurance company.

If they are denying liability because they can’t reach him, then you should probably go up the chain of command to the supervisor, etc and then maybe to the state insurance commissioner. Is there other independent proof (not just your word) that there was a) an accident b) their insured was involved and c) he was at fault? If they have that, then maybe they can make a decision without talking to their insured, however that is not likely. Insurance companies have to get this info from their insured to handle the claim. Try those suggestions in my answer and see where it goes from there.

By the way, they don’t have 30 days to make a decision. They have to continue to make efforts to resolve this, but if they can’t at the 30 day mark they just have to inform everyone as to why there is a delay and what is needed. This could go on for a long time. Of course, the coverage disclaimer (if that’s what they did) pretty much ends their obligation to keep trying.

The other person’s insurance wants to verify the facts of the accident with their insured before paying out on a claim. Think of it in reverse…would you want your insurance to pay for an an accident someone "said" you caused? True enough, he’s probably just being evasive. Did you file a police report and were there any independent (you don’t know them), witnesses to support what happened? File it through your insurance if you have collision, and have them go after the other party direct.