At-fault driver's insurance is completely ghosting us — is this even legal?
I don't even know where to start with this because it's been the most frustrating experience of my life.
Back in the spring, a driver blew through a stop sign and slammed into the passenger side of my car. There was a police report, witnesses, the whole thing. The other driver even told the officer it was his fault right there on the scene. Open and shut, right? Yeah, no.
His insurance company has been completely unreachable. I'm talking weeks of phone tag, voicemails that go nowhere, emails with no response. My own insurance carrier tried reaching them. Same wall of silence. Not a denial, not a "we're investigating," not even a form letter saying they received the claim. Just... nothing.
The other thing that's making this complicated is that the at-fault driver seems to have changed addresses since the accident. The info on the police report doesn't match where he apparently lives now, so even tracking him down directly has been a headache.
I've been working with a PI attorney but I'm still anxious because I keep reading about statutes of limitations and I don't want some technicality to blow up my case.
Has anyone else hit a wall like this? Where an insurance company doesn't deny coverage but also refuses to engage with anyone? What ended up happening in your situation? I feel like I'm just waiting for something that's never going to come and it's messing with my head on top of already dealing with physical therapy twice a week.