If you’re involved in a car crash in one of the many fault-based car insurance states, and an insurance company (either yours or another driver’s) denies your claim because they wrongfully consider you to be at fault for the car accident, you need to immediately notify the insurance company — via phone and in writing …

What happens if you don’t cooperate with insurance company?

Every insurance policy has a “duty to cooperate” clause. This means that any person seeking coverage under the policy must cooperate with the company’s investigation and defense of the claim. Failure to cooperate may be grounds for the insurance company to deny coverage.

What to do if the driver at fault refuses to pay?

If the driver at fault refuses to pay, you may have to initiate legal action against them. Shine Lawyers can help with your car accident compensation claim. Alternately, if the damage is under $5000 (or you’re prepared to accept this figure), you can make a claim with the Financial Ombudsman Service against the other driver’s insurance company.

What to do after a car accident that’s Not Your Fault?

You have the option of instructing a solicitor to act on your behalf, and if the other driver decides to claim on their insurance, the insurance company will most likely contact you to request information and possibly access to your car so that its representatives can make an independent assessment of the damage.

What happens if the at fault driver won’t contact the insurance company?

Their insurance may not offer them coverage if they fail to cooperate, but that doesn’t help you in any way. When your insurance can’t get a hold of the person at fault, you may be left with some rather unappealing options. If you know the other driver’s insurance company, pass on the information to your insurance provider.

When does an insurance company refuse to pay for an accident?

If a police report was written and the fault of the accident was decided on-site of the accident, the insurance company is required to pay for your car’s damages. The best thing to do if they refuse to pay is to pursue the claim extensively.