auto insurance claims adjuster

I need help with information about a claim we filed through auto insurance?

On April 4,2007 my husbands car was parked in the street which is in a culdesac, the neighbors daughter was dropping her off and when she reversed hit our parked car. We were told by the officer that her Insurance company would be contacing us. On May 23,2007 we called the Insurance company to find out she never reported or filed a claim. since then they have made several attempts to call only to get hung up on and have sent a certified letter with no response from her. The claim adjuster today told us they have the right to get a statement from their insured (usually about 30 days ) and if they dont get one they may decide not to pay out the claim (money to repair the vehicle) for damages. I told her what am I supposed to do now she said I would have to take it up with my insurance. I dont think that would be fair. What rights or actions could I take if she decides to deny the claim in order t otry to get them to payout the claim? They have the police report which has her statement.

You have the right to be compensated for damages that their insured caused. Sounds like their playing hard ball. If they stall you long enough then youll go away (or call your own insurance company.) You may need to give them some time. In the meantime I would call your states consumer protection department, insurance commission or other government office to find out if its okay for her (the insurance adjuster) to arbitrarily decide which claims they pay and to tell you they wont pay if they dont get a statement from their insured (a criminal by the way – for not reporting an accident to her insurance company) I would call the police and ask if she was obligated to report it (at least for your sake) If that isnt illegal it ought to be. If it is hopefully she gets in trouble.

It wasnt paris hilton was it.

Good luck to you.

P.S. just wanted to add that some say to call your insurance company. I was in an accident and did that. I claimed against the others insurance but I let my insurance agent know but no one ever put anything into the data base. Nearly a year later I had to claim the same injury using my insurance company and they didnt know anything about the accident. Keep documentation, get verified statements from both insurance companies if possible, cause in the end none of them care and will try to disclaim any liability. You never get reimbursed enough for all the trouble you go through.