If the accident wasn't my fault, how come the other insurance company isn't paying to fix my Kia?

"I was involved in a not at-fault accident a few weeks ago. Both my insurance and the other driver's insurance sent me letters stating the other driver was at fault.

But now I have a letter from the other company saying they will not be making a payment on the claim and cannot disclose why. How is this possible? "

“This is such an unfortunate position to be in! There can be times when the other driver is at fault but their carrier can deny the claim.
The other driver might have had a lapse of coverage at the time of the accident. The other option is that the driver might have been involved in an illegal activity that caused the accident. If the car was being used to carry out a crime, the driver would not be covered for the accident.
Either way, if you do not have collision coverage as part of your policy, your only recourse is to sue the other driver directly in order to be reimbursed for the damage to your car.
If you have any medical expenses as a result of the accident, you may be covered under your medical payments coverage or uninsured motorist coverage. “
Shannon Martin
Answered on May 12, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.

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