How do you make a hit-and-run driver's insurance pay when they can't find the driver?

Answer 1

You would need to provide the other carrier with enough evidence -- police report, witness information, etc. -- to convince them to pay the claim without actually getting a statement from their driver.

Unfortunately, under most policies, the other carrier still wouldn't be "required" to pay the claim because their policy with their insured requires that insured's cooperation. If the hit-and-run driver doesn't cooperate, his carrier might deny the claim. Remember: The other carrier's policy, or contract, is with THEIR insured, not you. Their insured has to fulfill his obligations of that contract for coverage to exist.

But you might get lucky and they'll just pay it with the available evidence...

I had a situation where I was going through a green light when the guy on the cross street ran a red light and t-boned me. He was clearly At Fault but his insurance company wouldn't accept liability because they couldn't get ahold of their insured. That went on for over 3 months! Clearly the guy was never going to talk to his insurance company.

I thought about getting an attorney but I realized that it would cost way more than my case was worth. Instead of getting an attorney, I hired a subrogation company to handle my claim. They filed arbitration against the other insurance company and forced them to pay my full claim. It worked really well. it was faster and cheaper than getting an attorney and I didn;t have to negotiate or take a reduced settlement. I used a company called Cerberus Subrogation Professionals. Their website is www.cerberussubro.com if you want to get in touch with them.