What should I do if I got into a not-at-fault accident with the driver of a rental car and the insurer is denying liability?

I filed a claim with the other driver's insurance company. They are denying liability because they can't get in touch with the insured. They're also saying because police declined to show up to the scene, there's no evidence, even though I filed a report online and have video footage.

Answer
“The first thing you’ll want to do is submit all of your evidence to the other party’s car insurance company. If the video shows you weren’t at fault, without a doubt, there should be no reason for them to deny liability.
You should also reach out to your own insurance carrier. While you weren’t at fault, they may be able to communicate with the other insurance company. If you have collision coverage, you’ll also need to notify your insurer to file a claim for your vehicle.
Should the other driver’s insurance company still deny liability, you may need to reach out to your state’s Department of Insurance and Financial Services. They handle complaints and monitor insurance companies’ practices. You may have a case that they can investigate without you having to get a lawyer. “
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Emily Maracle
Answered on May 07, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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