You can always sue the at-fault driver directly for negligence, however this is often costly and time consuming, and should be done only as a last resort.
If you are dealing with the insurance company yourself, I always suggest calling the auto adjuster until you get a response, even if you have to leave several messages and call every day. Sometimes, the “squeaky wheel gets the grease.” Also, some cases just take longer to evaluate than others. For example, a simple rear-end collision may take only a few days to evaluate, wherein an intersectional accident, with conflicting stories, may take 30 days or more.
Sometimes a lawsuit is necessary if you’re being ignored by the insurance company. However, more often than not a little patience can go a long way, especially when considering the high cost and time involved in litigation.
Reporting The Accident Claim
After a car accident, you’ll want to report that accident to the other driver’s insurance company. You can simply call the 1800 number (listed on their website) and select the option of “reporting a new claim.” The intake person will likely ask if they can take a recorded statement. You should always decline because anything you say can be used against you. It’s perfectly fine to deny their request to record the conversation. You will want to get a claim number before you hang-up.
If you’re reporting the accident to your own insurance company, you may be required to give a statement, depending