re: Ever been in an accident and had the other drivers insurance refuse to pay up?

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File on your insurance, depending on your policy, and your insurance company should cover it. They will then subjugate the Other driver’s insurance.

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Subrogate*. It's just an old word that basically means to substitute.

And technically, your insurance subrogates your claim against a third party.

Try having an accident, they are at fault, and you both have same insurance and same agent.

Had this happen to 2 friends of mine. Agent put it in as both at fault, refused to budge. I told them to leave the agents and sue, they were being nice and accepted it.

Why do people refuse to call insurance companies during accidents? You’re paying for insurance. Let them do the work.

Your insurance isn’t going to double for making a fender bender claim. Now if you make 15 fender bender claims, that’s a little different.

Hahhahah, every damn time. Insurance companies never pay up. It doesn’t matter if it’s yours or theirs.

If you file a subrogation claim with your insurance company, they’ll collect (at most) 90% back from the other insurance company and it will still affect your premiums. You’ll get you deductible back though.

You can’t use your uninsured motorist policy to file a claim because the other driver has insurance.

Insurance is a scam but the scam is better than nothing.

Had a guy back into me at a gas station. I was smart enough to get a police report filled out. Called dudes insurance. They want to split it. They pay for his, I pay for mine. Called my insurance, told them the story with all info. Few days later received a call from his insurance to send them the estimate for repairs and they cut me a check.

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trying to deny the claim

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Call and raise hell son

Tell them your wife is suddenly having bad headaches and neck pains and the longer they take to pay, the more t hurts.

It's costs no money up front for legal representation.

Contact an ambulance chaser and explain how your wife is now have pain in her neck and back from the collision and wait 9 months for them to settle.

Wife had the same thing happen to her. Some Arab hit her and cop just wrote up involved parties.

Their insurance denied but Allstate covered the damages and will deal with his insurance company through an arbitrator. One day I hope to get my deductible back. Doubt it happens but Allstate days they are working on it.