My question involves insurance law for the state of: California
I was involved in a traffic collision where I was rear ended by another vehicle. We immediately pulled to the side of the freeway to exchange the information. The damage to my vehicle appeared to be well over $500 so I went ahead and notified the police. The officer took the report and we were all on our way. As I got home I right away filed a claim with my insurance company as well as the other parties insurance. Since then their insurance have not been able to get a hold of the other driver to hear his side of the story. Until then they cannot assume responsibility and pay for my repairs as well as a rental car.
My second option was to go through my insurance company pay the deductible and then let them handle it and eventually return the deductible once the other party finally calls which may never happen. From my understanding this individual can just never call and will never assume the responsibility and will never have to pay for his negligence. Theres gotta be a law against that, other wise I end up having to pay $1000 deductible and rental car out of my own pocket, just because some guy was not paying attention to the road. Thats if I had $1000, I just started my semester and spent great amount of money on books, so I am afraid the only way is through their insurance which is not doing anything for me at this time. Any advice? Please help because I am starting to loose it, too many things at once. Cant go to school without transportation cant go to work without transportation I am stuck.