At-fault insurers stall claims by demanding police reports weeks later
12 posts across 2 communities in the last 60 days; 92% from r/Insurance.
“Received a letter stating that my car hit someone’s parked, unoccupied vehicle. The problem: my car was parked the whole day and did not move at all. The letter claims AAA did a quick review n found that the driver was at fault. Nobody drove the car! If it was an unoccupied car…”
“Yesterday, a delivery truck hit my car while I was parked outside of a shop (and it happened right before I got there too). The truck driver admitted fault and stayed behind to exchange information while I called to make a police report. I have videos and photos of my car (which…”
“I got into a car accident, had a blind spot on a curved road i was driving and didn’t see a car was completely stopped till it was too late. Police came in filed a report, my insurance kinda fucked me cuz they canceled on me a month prior for some id thing that honestly made no…”
Victims of accidents report that at-fault insurance companies refuse to process claims until they receive police reports, even when those reports take weeks to obtain. This delays compensation and leaves claimants without resolution for months.
SOURCES (18)
“Yesterday, a delivery truck hit my car while I was parked outside of a shop (and it happened right before I got there too). The truck driver admitted fault and stayed behind to exchange information while I called to make a police report. I have…”
“I got into a car accident, had a blind spot on a curved road i was driving and didn’t see a car was completely stopped till it was too late. Police came in filed a report, my insurance kinda fucked me cuz they canceled on me a month prior for some id thing that honestly made no sense to me and ailed to reach out to me properly which that is its own story in itself. But long story short i got a ticket for no insurance and am gonna have to pay for it on my own. Fast forward i go to court for the t”
“In August of this year, I was involved in a car accident. I wasn't at fault, a distracted driver hit me from behind. I had filed a claim with the other driver's insurance soon after, but after a few weeks, they had determined that the other driver didn't have an active policy with them so they wouldn't pay. This was early September. However, I've been very busy with other life events that I haven't been able to focus on filing the claim through my insurance. I do have pho”
“I’m looking for advice regarding an auto insurance claim in Texas. The accident happened on September 28 . The claim was opened, and we were contacted by the other driver’s insurance company on September 29 . The adjuster called us, asked us some questions about the incident, and told us that she would get back to us with an update. Since that call, we have not received any further updates or communication from the adjuster. Today is October 6 , so it has been about a week since we last heard fr”
“My car was hit in my apartment parking lot while it was parked and i was inside. I discovered the damage when I went to leave my apartment, no note was left. I filed a police report and I am waiting for my apartment to look at the footage at some point today. I haven’t filed a claim yet because when I called them the person I spoke to said that if I file the claim I will be on the hook for my deductible and my rates could go up. I guess I am hoping that we find the other persons identity and the”
“I was established on a main road and driving forward with no traffic signs or stop signs when the other driver hit the passenger side of my car. She told the police that she was stopped at a stop sign, turned right onto the road, and collided with the side of my car. I was standing right there when she gave the report. The police report states this verbatim. The police officer also put a code for “failure to yield” as the probably contributing cause. I called her insurance company today (Allstat”
“I was involved in a wreck back in July. Progressive hasn’t been able to contact the individual or their insurance company. We have the address listed on the other drivers ID, but the State Police officer who responded didn’t put the name of their insurance company on the report. I spoke with some other troopers and on NY reports, all out of state insurance companies are listed under a single code in their system. The officer who writes the reports is supposed to enter the name of the insurance c”
“Got hit last week and the other driver was pretty clearly at fault. Their insurance called me and now they want a recorded statement about what happened and how I’m feeling before they’ll really move forward with the injury side of the claim. I’m still getting checked out and don’t even know the full extent of everything yet, so I’m not really comfortable giving some detailed recorded statement this early. Been looking at crashhelp because I’m starting to think I should talk to a personal injury”
“Got into a not at fault accident and it’s been a full month of spotty communication and an auto insurance adjuster who has only picked up the phone one time and never again. The insurance company is National General and they do not respond to my text messages or emails. They sent me a check of estimated repairs but they won’t respond to my messages about what day I plan to schedule my repair so I can get a rental. I don’t even know the status of my injury claim. Luckily my car is still drivable”
“Last year, I was in a car accident. My car was rear ended and the police were at the scene. I have the police report and pictures from that day. I was also pregnant at the time and went to the hospital for baby monitoring, as recommended by my doctor. Because the police were at the scene when the accident happened, I did not exchange information with the driver. The police handled everything and I assumed contact information would be on the police report. It wasn’t. I had a name and insurance co”
“Weird question. But Someone filed a Car insurance claim against me, called an officer to inspect her car and got my license plate. Officer contacted me for my Insurance. I tried to get ahold of the other driver, but she never responded? I have liability insurance. Also her description of me was extremely off, Wrong gender, Wrong age(officer was laughing).. Would my insurance fight for me or nah since I have liability insurance? submitted by /u/Antique_Method_6479 [link] [commen”
“I was in an accident caused by another driver on August 1st. I’ve reached out multiple times to the company (NC Farm Bureau) and after 2 weeks I finally got a hold of the agent in charge. At this point he still has not gotten back to me with a response on how much they will be giving me to fix my truck. It wasn’t even major damage (Driver side fender, alignment messed up, and headlight). Does it usual take this long to get my numbers back? Or is this guy just incompetent. submitted by  ”
“Insurance isnt mailing my cheque until its released, and basically threw the ball in my court and told me to call the shop. The shop owner tells me theres no dispute, he seems to be taking his time to milk storage fees. im concerned that bc it wasnt a preferred shop, my insurance is going to come after me for excessive fees. thoughts? submitted by /u/Any-Development3348 [link] [comments]”
“My car got hit in a school parking lot and the other driver left without leaving a note. I did not see the damage until the next day. I called the police and they were able to pull the video and find the driver. The driver was cited for the hit and run. I asked the officer for the drivers information but they could not give it to me. I would have to get that from the police report, which will be a couple days away. The damage does not affect the way the car drives. Do I submit a claim with my in”
“Received a letter stating that my car hit someone’s parked, unoccupied vehicle. The problem: my car was parked the whole day and did not move at all. The letter claims AAA did a quick review n found that the driver was at fault. Nobody drove the car! If it was an unoccupied car, I assume it would be a Tesla or someone’s ring camera that caught the alleged incident. Tried calling AAA and the claims adjuster’s number keeps going to voicemail. I wanted to asked to see what proof they have because t”
“I was rear ended on Monday. I have dash cam footage of the accident. As well as a video in which the other driver states, "My phone was ringing and it fell down between the seat, and I went to go try to get it." The video also includes the other driver admitting fault following the collision and that she has insurance to pay for damages. I filed a claim with her insurance (All state) and after following up she has not reported the accident or responded to their attempt to contact. They”
“I was involved in an accident Saturday (rear ended at a stoplight) and reported the claim to the other drivers insurance as well as my own. My insurance said to hold off on my claim so we can get the other persons insurance to cover it which is fine. I took my car to an auto body shop yesterday for an estimate, while he said he couldn’t give me one with the open claim, he said in his experience he would anticipate the repairs to be 10k or more and my car be a total loss. I was expecting this tbh”
“Looking for a little advice. At fault driver insurance company isnt moving on the claim until they make contact with their driver or receive a police report. They requested the police report five weeks ago. Reports take about 10 days. The accident occurred seven weeks ago. What should I do next keep calling them? submitted by /u/Neo_Anderson302 [link] [comments]”