is made possible by displaying online advertisements to our visitors.
Please consider supporting us by disabling your ad blocker.

Ask An Insurance Pro - Question and Answers

Answers to your Insurance Questions - Ask Your Question

Auto Insurance Question from East Jordan, Michigan

Asked on 8/8/2019.   This question has received 43 views.
Not at fault   My car was parked and unoccupied, someone was parking next to me and hit my car. I called the cops, made a police report and the person that hit me said he was at fault. He told me he was going home to file a claim. I waited 2 weeks and still didn’t hear anything. So I went and got the police report and made a claim through his insurance. They said he never made a claim. And now he will not return any of there calls for his side of story. I don’t want to go through my insurance as I don’t think that I should have to pay for anything that is not my fault. Including my deductible. So there is $2,638 in damages and his insurance adjuster called me today and said I need to send her my declaration page from my insurance before they will release my check for my car to be fixed. Why do they need that? Please help!!!’ I tried calling them back 10 times since then and left a voicemail asking why and they haven’t returned it yet. Does anyone know why esurance would need that information when I go through progressive?

Answer given on August 9, 2019

If an auto insurance company cannot get their client to respond regarding an accident that was caused by their client, it is difficult for them to properly settle the claim, or so they say.  Since you have a police report, that apparently indicates the other person was at fault, and that he may have said the same to the police officer, it does open the door for the other insurance company to proceed with the settlement of the claim.

It is unclear why the other insurance company wants a copy of your automobile policy in order to settle the claim, it is a small price to pay for them to issue a settlement check to repair your car, especially since you do not want to go through your insurance company due to the deductible. Since they have not returned your call, it may be easier to just send them a copy of your policy, blotting out any premium amounts. You could also try calling for a supervisor, but they may not be any easier to get in touch with.

NOTE: The IMPORTANT NOTICE below is a part of this answer!

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.