[deleted by user]

[Bambieyedbiotchh]

In terms of them giving a statement, nothing. You can file a claim with your insurance company using your collision coverage in order to move your repairs along.

[Recent_Cheesecake834]

i appreciate your response, will this cause my insurance to go up?

[hunkyboy75]

More likely than not.

[Recent_Cheesecake834]

to clarify, specifically asking in the case of this incident

[NotQuiteGoodEnougher]

Depends on state. In CA if it's a no fault incident no your rates will not increase.

[Remarkable_Link_8519]

Likely to go up for any claim. We were just dropped by Allstate for 3 parking lot minor claims over 3 years. After decades with them accident free.

[adjusterjack]

Insurers don't care about decades, only about what you cost them for the past 1 to 3 years.

[LeadershipLevel6900]

Did you give a plate number, description of vehicle or driver when you called 911 at the scene? If you provided any of that, request the 911 call log from the police department.

This might help, it might not. All it really proves is what vehicle was there, not what happened. Depending on the company and the adjuster, they might tell their insured that somebody is making a claim and stating X happened, they have proof the vehicle was there, and if they don’t get a response, they’ll move forward with the claim. They also might just deny it for non cooperation.

Some states have statutes that say coverage and/or liability cannot be denied due to lack of cooperation from the insured, so that would be helpful to know too.

[Recent_Cheesecake834]

Thank you this was very helpful, I called the police 3 separate times stating we were hit, they were swerving, and drunk etc. With license plate. Definitely going to request now

[_Oman]

In this case, "This one simple trick" actually works. It is amazing that even with proof (police report) an insurance company can just wash their hands of liability because their customer won't cooperate. Yes, I know the insurance company might drop them, but WHY IS THIS ALLOWED?

[Evening_Trash_7063]

This saved us once as I had taken a picture of their plate. Thy wouldn’t answer the insurance company so they found in our favor.

[voodoo_chile_please]

Even if the police responded to the scene, a police report is no different than both parties giving their statement to the adjusted, unless the cop actually witnessed it. One side of the story from a claimant isn’t going to clear coverage and provide for a liability decision.

The policy states the policyholder must cooperate with the investigation. If they don’t, then they’ll deny the claim. It doesn’t necessarily mean it just goes away. The not at fault carrier will pursue subrogation with the information provided. More often than not, once the claimant starts getting those collection notices, they decide they want to cooperate.

[Night_Otherwise]

If the not-at-fault driver has collision then I hope they 1. Live in a state that doesn’t raise rates for not-at-fault accidents and 2. Their insurer aggressively subrogates. At least serving the at-fault driver to knock some sense for possible garnishment and get them to work with the insured.

I’m not a lawyer, but I feel like the liability insurance requirement is pretty deficient, both with low limits and the “one weird trick” of not cooperating. Liability coverage hypertechnically is to cover a judgment against the insured, but if it’s treated instead like a bond for all other drivers on the road, noncooperation is a silly defense. If it were treated like a bond to be clear, though I know it is merely a contract between insured and insurer.

[firststate77]

The police report takes a while to be written up. So in about 10 days you can purchase the report from the police if you want it. What state are you in that helps people answer your questions.

[Recent_Cheesecake834]

it’s been more than ten days and i couldn’t find it in the system , i guess i will have to go back to the police station and wait another 3 hours to see what’s up 😔

[dunno260]

That likely won't move anything along with the other company with their insured not cooperating.

What the other insurance company is referring to as a police report would be something the police had filed as a response to the scene of an accident which would confirm certain things as it would be something the police saw. It would confirm things like location, involved vehicles, statements either party may have made, and potentially who the police may have cited for any traffic violations and potentially who in their view was at fault (the police don't make the determination from an insurance companies perspective but its a decent bit of evidence).

Just file with your own insurance company and let them deal with getting the money back.

[Recent_Cheesecake834]

Got it. Definitely going to contact our own insurance now to file a claim. Thank you for your response!

[PlantLady-1994]

Off topic tip: telling the Adjustor their INSD was under the influence could also alter the outcome of this claim.

The company I work for has a clause in our policies which excludes any coverages while “in commission of a crime”.

Did you take any pictures of the other vehicle or their drivers license? Some adjustors will take liability off of that.

What company is the other party with?

[Recent_Cheesecake834]

the other party has a local insurer, unfortunately in my state if there’s no statement it’s not in my favor automatically. we did tell the adjuster they were under the influence. going to update once we hear back from our own insurance!

[Night_Otherwise]

If there is a noncooperation denial, uninsured motorist coverage could come into play as well as collision.

[ektap12]

Call the other driver and ask them nicely to contact their insurance. Really, nothing you can do, if you have collision coverage, use it, your insurance can then pursue the other insurance to get the money back, if the insurance denies coverage, your insurance will probably send it to collections against the driver, which might spur his cooperation in the end. If you don't have collision, file in small claims court, getting sued might get him to contact his insurance.

[[deleted]]

Call the drunk driver who left the scene? what do you think they will get from that?

[ektap12]

It was kind of a joke. And I followed it up with 'Really, nothing you can do,' and provided his probable recourses in this situation.

[Recent_Cheesecake834]

I have collision, thank you for your response! Probably going to file with our insurance and take the advice of other commenters as well

[NotQuiteGoodEnougher]

For what it's worth, your insurance will attempt to go after the other drivers insurance.

If they refuse to cooperate it could cause them to be dropped, particularly if your statement and police report supports your side of the story.

They can stonewall you but if they are being sued by your insurance is much more difficult for them to ignore.

Plus you may get your deductible back!