The other driver will not cooperate with the defendant insurance company
Stress and emotions set in right after a car accident. Some drivers may make this situation more difficult by becoming argumentative and refusing to share their Insurance information including the insurance company’s name, policy number and claims phone number. This makes dealing with the uncooperative driver more stressful and often frustrating. However, it is crucial that you keep your cool and understand what you need to do so that you obtain the Insurance information for payment to cover your losses.
Things you can do
• Report the accident to the police
It is crucial to call the police to the scene of the accident and have them document the crash. The police will write a report describing the accident and how it occurred. The report contains information such as the time and the location of the collision, both drivers’ contact details, the road conditions during the time of the crash, factors that may have caused the accident. You can use this police report to get the other’s driver information.
• File a claim with the other’s driver Insurance Information
Once you have the other driver’s insurance information, you can start the claims process. First, file a claim with the other driver’s insurance company, who will in return assign an adjuster to investigate the crash and determine if their driver is at fault or not. Usually, the adjuster will speak with their driver to get his version. However, the other driver may not respond to the adjuster’s calls. If the adjuster does not talk with their driver about the accident, then the crash will not be properly investigated, and your claim may not be settled.
• Notify your insurance company
If you are left in this kind of situation, you have to inform your insurance company and make a claim on your insurance policy. Usually, you will hear back from a claims representative within a day. Most insurance companies will pay for the repairs and medical bills if you have uninsured motorist coverage. Since the other insurance company is not willing to cover the damages because of their driver’s non-cooperation. A case of an uncooperative driver is similar to an uninsured driver who faces bills, fines, and a license suspension.
Also if you have collision coverage with your insurance company, they will cover the car damages irrespective of the other insurance coverage. However, this only covers your car. Any claims concerning your injuries have to be done through the uninsured motorist coverage.
• File a Lawsuit Against the Other Driver
If filing a claim on your insurance company is not an option for you, your next step should be contacting a car accident attorney. This step is crucial if you have been injured and the medical bills are starting to accumulate. A car accident attorney will go as far as claiming compensation that will cover the all the costs of your car repair and your medical bills. The attorney will go through the police reports, thoroughly look at all the evidence from the accident, re-create the scene of the crash, and finally determine who is at fault. This may end up taking the other driver plus his insurance company to court for a judge to award the rightful compensation. However, most insurance companies are unwilling to go that far, they usually offer an out-of-court settlement, where your car accident attorney will carry out the negotiations ensuring you receive the compensation entitled to you.
You can also find more information about the auto accidents by clicking this link. If you or a loved one are involved in an accident due to the negligence of another party, you should consider hiring a personal injury attorney. Contact one of our experienced attorneys at Thompson Law. We offer clients a free case evaluation and will help you get the proper medical treatment and compensation for your suffering. Call us 24/7 at 844-308-8180.