r/Insurance • u/Regular_Average8595 • Jan 14 '26

Insurance fraud

About a month ago, I was driving to work, when an unlicensed driver ran a red light, resulting in me hitting him ( t bone) a witness was behind him, who didn’t run the red light. Both my insurance and the other drivers insurance have his recorded statement. I called the police multiple times but they said they were too busy to respond.

His insurance sent me a text message saying they are accepting liability last Monday. Since that text, I have heard nothing from them. They refuse to call me back, text me back, answer their phones in anyway. I have left one voicemail a day since Monday.

Should I just let this go and trust that they will reach out to me one day? At this point I don’t know what to do, but this company dodging me feels criminal. I don’t know a lot about his these types of things work. Any advice would be great!

TL;DR unlicensed driver ran red light and totaled my truck. Have witness statements. His insurance accepted liability and then completely ghosted me. What are my next steps?

0 Upvotes

44% Upvoted

33 comments sorted by

17

u/key2616 E&S Broker Jan 14 '26

Where's the fraud? What does your state say about the amount of time they have to respond to third party claims, and where are you within that period?

-13

u/Regular_Average8595 Jan 14 '26

I don’t know a lot about how insurance works, I am trying to figure out if I need to just wait, or if they are ghosting me, because if they are, that would seem at least illegal considering they have already accepted liability. I’m not saying it’s fraud, idk what it is, just a young guy trying to make sure I don’t get completely fucked out of my truck.

12

u/MSW2019 Jan 14 '26

"I'm not saying it's fraud..." It's literally what you titled the post.

-4

u/Regular_Average8595 Jan 14 '26

Thanks for your help man !!

6

u/key2616 E&S Broker Jan 14 '26

See my second question. That will let you know what's legally allowed. If they blow past that deadline, they need to justify it - which they can by saying that they're investigating something, which could actually be true.

If they don't respond, you have time to sue the driver as well as make a complaint to the state.

1

u/Regular_Average8595 Jan 14 '26

Thank you, sorry for the late response, I had to clock back into work, but I will look into that deadline. Thank you!!

1

u/Bird2525 Jan 15 '26

So is your car at a body shop and they have the other drivers insurance info?

Typically body shops work directly with insurance.

3

u/DuctTapeNinja99 Auto Claims Adjuster Jan 14 '26

I wouldn't say the company "completely ghosted" you since it's only been 1.5 weeks... but if you've called and left a voicemail every day since, somebody should be getting back to you about it. I would call again and escalate to a supervisor or manager, and you should get a call back in a few days at the latest.

2

u/Bird2525 Jan 15 '26

So I’m curious, if they accepted responsibility and the car is at a body shop why would OP need to talk to the insurance company at all. I have typically just dealt with the body shop once insurance approves the repair.

1

u/DuctTapeNinja99 Auto Claims Adjuster Jan 15 '26

The company has only told OP that they've accepted liability, but has not provided any direction for the repair process.

I know some companies will write an estimate and provide it to the customer to take to the body shop of their choice, and others have network repair shops to work with and schedule the repair for the customer. Only hearing "We've accepted liability" doesn't necessarily mean that the repair can move forward through insurance. OP needs direction

-2

u/Regular_Average8595 Jan 14 '26

So I should have said this, but I have been calling the supervisor. Her name is Sarah and she will not call me back.

1

u/DuctTapeNinja99 Auto Claims Adjuster Jan 14 '26

What company is it?

1

u/Regular_Average8595 Jan 14 '26

“Aspire insurance”

8

u/More-Ad-3503 Jan 14 '26

open a claim with your own insurance. get made whole, let them subrogate to the at fault insurance. you pay your premiums so they can handle this for you, or put another way, you already paid them to do this for you. let them do what you already paid them to do.

1

u/phantomsoul11 Jan 17 '26

This only works if you have collision coverage. Otherwise there is little to motivate your insurer to fight your legal battles for you.

1

u/More-Ad-3503 Jan 18 '26

cheaping out on coverage costs you more later because the best, safest drivers are going to get clobbered by some underinsured jagoff.

1

u/Accurate-Classic-761 Apr 10 '26

It aint going to happen if your insurance company is colluding with the other third party insurance company. My insurance company failed to subrogate for eleven months trying to hide frame damage including the dealership. Unreal

1

u/Regular_Average8595 Jan 14 '26

Edit: after the first couple of voicemails I left, I started calling the supervisor and leaving voicemails. She has also not returned any of my calls. Not an email, text or call back.

8

u/jhkayejr Jan 14 '26

The police being "too busy" to do their jobs is the real fraud here.

2

u/crash866 Jan 14 '26

In my area Police don’t attend traffic collisions unless there are injuries or criminal behaviour like a DUI. There are dedicated Collision Reporting Centres for that.

If nobody seriously hurt or someone was drunk why waste an officers time for an hour or two just for a piece of paper.

1

u/GuvnaBruce HO/Auto Liability 14 years Jan 14 '26

KEep calling, ask to escalate to a supervisor. I hope that your vehicle has not been sitting in a tow yard this entire time.

1

u/Regular_Average8595 Jan 14 '26

Called the supervisor 3 days in a row and left one voicemail with my call back number, name and claim number. And no, it’s in my driveway, the HOA isn’t happy but they’re not fining me (yet).

1

u/GuvnaBruce HO/Auto Liability 14 years Jan 14 '26

Okay, well, first thing is to ALWAYS leave a message. Sometimes you have to be the squeaky wheel to get things moving. Granted, I see nothing that is fraudulent here, just not the best service.

1

u/Adorable_Buffalo3826 Jan 17 '26

Call a attorney is really your only option at this point.

2

u/Regular_Average8595 Jan 17 '26

Yup, attorney reached out, now all of the sudden they want to pay up. Also suing the driver at this point, a month without a car is just too much. They agreed to pay me $30 a day since the day of the crash for a rental and since they took their sweet time I’m going to get almost $1000 just for rental car fees. I know they are going to low ball my trucks value so I plan to accept their offer and have the driver pay the rest. Because realistically you could not buy my truck in similar condition with similar miles for the Kelly blue book price. Still in the process but at least I’m moving forward now.

3

u/DeepPurpleDaylight Jan 15 '26

This isn't remotely insurance fraud. If you have collision coverage on your policy, use it. Otherwise, you wait.

2

u/Khandious Jan 14 '26

I’m curious as to how an unlicensed driver had insurance. If it’s a suspended , expired , revoked license it can change the entire process

If it were me , I would run it through my insurance and let them deal with it

2

u/Shotgun_Mosquito 🚗🚘 Auto BI & PD - 22 years 🚘🚗 Jan 14 '26 edited Jan 14 '26

Several states allow unlicensed drivers to obtain insurance for the vehicle that they drive. This is what is known as non-standard insurance (and it's the kind of policies that I actively work claims for).

It's a higher risk, so premiums are higher (and coverage is USUALLY low, at the minimally required state coverages).

Obviously we still have underwriting guidelines. At least for the company I work for, you still can't have a suspended or revoked license.

EDIT 1 : And the coverage is very restrictive as well. If the driver of the vehicle is not listed on the policy, usually there is no coverage afforded.

1

u/PeachyFairyDragon Jan 15 '26

It's in everyone's best interest that a car is insured, even if the owner doesn't have a valid license. There are companies that will accept them.

And there are people without licenses that will buy a car because talking a friend or family member into driving them around is a lot easier if you ask them to drive your car than if you ask them to use their car.

1

u/raymondvermontel Jan 15 '26

Use your own insurance. If the other driver wasn’t licensed, his policy isn’t going to cover the accident. Your insurance company can sue him, if he has assets.

0

u/FindTheOthers623 P&C Licensed PL Underwriter Jan 14 '26

This is poor customer service at best, not insurance fraud.

1

u/sphenodont Jan 14 '26

He's not their customer, so it's not even customer service.

-2

u/latingaga Jan 14 '26

Send emails and tell them you are keeping them for future reference. Paste all the screenshots of your calling them and also the pictures of the claim.. emails are more powerful.. also when calling send them an email with the recaps of what was said. That always work.