re: At Fault Driver refuses to cooperate with Insurance Co.

The insurance “Policy Conditions” require a customer to cooperate with their insurance company for coverage to become applicable. However, Louisiana is a “Direct Action” state, meaning the insurance company is liable just as the customer, sometimes referred to as “standing in the shoes” of their customers. Based on this, they should properly investigate the claim and make payments as they should based on their investigation, regardless of what the customer days or does. Also, keep in mind, the liable party only owes ACV, the depreciated amount of the damages, so you may be better off filling under your policy that will pay full repair cost.