Rear-ended 2 months ago, at-fault driver ghosting insurer — do I just keep waiting forever?
Posting from my lunch break so sorry if this is scattered.
Back in late winter I was sitting at a complete stop at a red light when someone plowed into the back of me. Pretty solid hit — my head snapped back hard and I could feel it in my neck immediately. We pulled over, swapped info, and then honestly the other driver seemed really eager to leave. They were gone before I even thought to call 911, so there's no official police report. My bad — I know that now.
I went to an urgent care that evening because the neck stiffness and headaches were getting worse. They did some imaging, said nothing was broken, diagnosed me with soft tissue strain and whiplash, sent me home with a referral for follow-up PT.
Fast forward to now — almost two months later — and the other driver has been basically unreachable. My insurance company keeps telling me they can't establish liability without a statement from the at-fault driver. Meanwhile:
- My rear bumper is cracked and the trunk latch is broken (can't open it manually)
- I've gotten surprise charges from the urgent care and the imaging center hitting my bank account with zero notice
- The at-fault driver's insurer told me their policy "may not extend to my medical expenses" — which makes no sense to me?
- PT bills are starting to stack up too
I feel like I'm doing everything right and just getting strung along. My own insurer keeps saying "give it more time" but I need my car fixed and I can't keep absorbing these medical bills.
Has anyone been through something like this? What actually moved things forward for you? At what point do you stop waiting and do something else?