Other driver's insurance went completely silent after I sent everything they asked for — normal??

Oh this is painfully familiar. The exact same thing happened to me — adjuster was all smiles until I submitted my documents, then it was like she fell off the earth. What finally broke the silence for me was sending a formal written letter (actual mail, certified) to the claims department addressed to her supervisor. Something about a paper trail they had to sign for made things move. Not saying it'll work for you but it got a response within a week after months of nothing.

This is a known tactic. They confirmed liability, so they know they owe you something — the silence is them hoping you get frustrated, desperate, or just accept less than you deserve. Every week that goes by while you're stressed about bills is a week that works in their favor psychologically. Don't let them wait you out.

I'll be honest with you — I used to work claims and caseloads are genuinely brutal sometimes, so a little delay isn't always bad faith. BUT three months with zero response after a complete submission and a liability admission? That's not a backlog issue, that's a file sitting untouched. Escalate in writing directly to the claims manager, not just the adjuster. Use the word 'escalation' in your message. Files that get escalated get touched.

A few practical things worth knowing: most states have regulations requiring insurers to acknowledge and act on claims within specific timeframes — usually somewhere between 15 and 45 days depending on where you live. If they've blown past those windows, that's potentially a bad faith issue, not just poor customer service. You can also file a complaint with your state's Department of Insurance, which sometimes lights a fire under adjusters faster than anything else. It's free and takes about 20 minutes online.

Not legal advice, but the situation you're describing — admitted liability, complete documentation submitted, months of no response — is exactly the kind of thing where having an attorney send a letter on your behalf can change the dynamic immediately. Insurance companies tend to respond differently when they know someone is represented. Most PI attorneys do free consults, so it's worth at least a conversation to understand your options.

Please don't let the insurance limbo cause you to delay or skip any follow-up care. I see patients do that all the time — they put off PT or specialist visits because they're waiting to see what insurance covers, and it ends up hurting their recovery AND their claim. Keep going to your appointments and keep every receipt and summary. Your health comes first.

Stop calling and leaving voicemails — they're easy to ignore. Send everything in writing via certified mail to both the adjuster AND the claims department supervisor. State clearly that you submitted a complete package on X date, you have received no response, and you expect written communication within 14 days. Give them a deadline. Then if you get nothing, file the state insurance complaint. That's your move.

I'm so sorry you're dealing with this on top of recovering from the actual accident. The fact that you did everything right and are still getting stonewalled is infuriating. Please don't just keep waiting — you deserve answers and you deserve to not be stressed about bills that aren't your fault. Rooting for you.