Insurance Agents Are For......???

[BigFish]

Frank...tell me something. If the damages to either vehicle are over $1,000.00 OR AN INJURY WAS SUSTAINED BOTH DRIVERS MUST FILL OUT AN ACCIDENT REPORT....CORRECT??? Well the other party has not as yet done so......so what can happen to them???

[Squid kids Dad]

Larry..Again..Do you have rental on your insurance??/ I explained what to do..I have been in the business for 20 years...
There is no way your insurance company isnt going against the other company for reimbursement of damages, especially when you are not at faullt...They will pay your claim and then subrigate the damages to the other company for complete reimbursement

[Swimmer]

Originally Posted by BigFish

Frank...tell me something. If the damages to either vehicle are over $1,000.00 OR AN INJURY WAS SUSTAINED BOTH DRIVERS MUST FILL OUT AN ACCIDENT REPORT....CORRECT??? Well the other party has not as yet done so......so what can happen to them???

I believe they may have thier license suspended until the report is filed. Where no criminal charges are pending or will be against the girl she has no legal standing to say she wont file. She probably has someone telling her not to file because the RMV wont do anything to her. You can force that issue by calling the RMV and filing a formal complaint. I know an officer who was basically ruthless when it came to handing out tickets. He was told by his chief to layoff somewhat. When the officer refused the chief put him on the desk. The first night on the desk he took out all the crash reports and for everyone who didn't send in a report he sent them a citation, perfectly legal, if you read the law. However, he was further diciplined and all those citations he wrote went no where, and thats where I found out that local police have no authority over crash reports, only God (RMV).

[Redsoxticket]

My insurance agent directed me to make a third party claim. I called the other insurance co. and requested to file a third party claim for the rental. They needed a written estimation of damage and the time of repair from the shop so that they can allocated the money for the rental.
I don't believe your insurance agent is obligated to instruct you as to what to do as in my case, it just so happened that I lucked out.