Other driver admitted fault to my face — now her insurance is ghosting me. What do I do?

This is almost exactly what happened to me two years ago. Other driver admitted fault on the spot, her insurance dragged it out for nearly three months. What finally moved things was sending a formal demand letter — certified mail, return receipt — directly to the insurance company. Something about getting actual paper in their hands changed the energy completely. Also, get that camera footage yourself if you can. Call the garage management directly before it gets overwritten. That footage saved me.

Do NOT give them another recorded statement if they ask for one. You already gave one. They sometimes fish for a second hoping you'll say something slightly different so they can use it to muddy the waters. And 'investigating further' is a classic stall. They're hoping you get frustrated and either go through your own insurance or just give up.

On the subrogation question — basically it means if you file through your own insurer and they pay your repair, your insurance company then has the legal right to go after her insurance to get that money back. If they succeed, you typically get your deductible refunded. It's not a perfect solution but it gets your car fixed now instead of in three more months. Worth understanding as an option while you keep pushing on the at-fault side.

Not legal advice, but: an adjuster ignoring you while evidence like security footage potentially gets deleted could become a real problem for their client. A short consultation with a PI attorney costs you nothing (most are free) and sometimes a single letter from an attorney's office to the insurance company ends the runaround faster than anything else you can do. Just worth knowing that option exists.

Are you doing okay physically? Six weeks of this kind of stress is real — it affects sleep, it affects how you feel day to day. I just want to make sure you're not also quietly dealing with any aches or tension from the collision itself that you've been ignoring while you fight the insurance battle. Sometimes people push through the adrenaline and don't realize they're hurting until later.

Go get that garage footage TODAY. Call the property manager, explain there was an incident, and ask them to preserve it. Most systems overwrite after 30 days or less. If that footage is gone by the time anyone actually looks at it, your leverage drops significantly. Everything else can wait — that cannot.

Quick question — did you get the at-fault admission in writing at the scene, or was it just verbal? And was there anyone else around who heard her say it? Not doubting you at all, just trying to understand what documented evidence you're actually working with versus what's your word against hers, because that changes the advice a bit.

Ugh this is so unfair and I'm sorry you're going through it. You did everything right — exchanged info, cooperated with the investigation, gave your statement — and you're still being treated like the problem. Please don't let them wear you down. You deserve to have your car fixed at zero cost to you.