An accident was caused by another driver, but they’re not responding to their insurance company’s calls. I’ve shared photos of the vehicles and the accident scene. Is it still possible for the other insurance company to deny coverage?
Update: I initially shared this in the comments, but wanted to include it here for those interested. I talked to my insurance company today and informed them that the other insurer still hasn’t been able to reach their client. I also inquired if the other driver had filed a claim against me, and it turns out they have. They provided a recorded statement of the incident to my insurance company. However, my insurer cannot share that recording with the other party, and according to my adjuster, they likely wouldn’t accept it anyway. I’m not sure why that is, but it definitely feels like the other driver is avoiding their insurer.
It sounds like a frustrating situation, especially since you’ve provided evidence and been proactive about communicating with your insurance company. To answer your question, yes, the other insurance company can deny coverage for various reasons, even if you provided evidence of the accident. They may need to verify details or determine liability based on their own investigation, which can be complicated if the other driver is uncooperative.
As for the recorded statement given to your insurance, it’s common for insurers to have policies about sharing information with one another, which could explain why your insurer can’t provide it to the other company. It’s not uncommon for insurance companies to have internal procedures and legal restrictions that dictate what they can and cannot share.
In the meantime, it’s crucial to keep following up with both your insurer and the other party’s insurance to ensure the claims process continues. Document everything and stay persistent; it might also be worth considering legal advice if the situation doesn’t progress. Good luck, and I hope it resolves soon!