Here's how this works: If the other driver's insurer isn't going to investigate your claim, there are two affirmative things you can do. First, you can complain to your state's department of insurance. Second, you can sue the other driver. The other driver's insurer has a duty to the other driver to retain legal counsel to defend the other driver and, if reasonably possible, to try and settle the claim within policy limits. You can, of course, also get the damage to your car fixed by your own insurer (assuming you carried collision coverage), and your medical bills should be covered by your personal medical insurer. You may have a deductible and/or co-pays, and you can seek to recover those from the other driver (and, indeed, your own auto insurer will try to recover your deductible for you).