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driver who hit me (at fault) Insurance company dragging feet…?

I had an auto accident yesterday, quick story, at fault driver ran stop sign and t boned me, my (2) kids in the car as well. I called her ins co and am requesting a rental, I have no transportation, no money to pay my deductable to have my ins cover rental, ins agent is stating he has to talk to the driver first and he cannot release authorization for a rental until she calls him back, we are now at day 2 and he has not heard from her, she did not even call to report the accident, I did….

Also, my ins co just called with an estimate, 3600.00, can I expect a compensatory offer too?

I am hurt bumped and bruised, my 2 kids are too, one has neck, back and a large lump on her head and the other has neck and back pain.

How long should this whole process take?

Thank you for your replies….

Gee the accident was 2 days ago and you say they’re dragging it’s feet? Give me a serious break.

YOU have a duty to mitigate your damages, you have insurance so go thru them. It’s no one’s fault your deductible is higher than what you can afford–those were the terms YOU chose.

The other party has no obligation to you….their obligation is to their insured and to protect their interest in this matter. Until they speak with their insured to confirm the facts of loss and the fact the accident did in fact take place, they’re not paying you a dime. It takes however long it takes to get their insured on the phone. And guess what? YOUR insurance operates the same way….they’re not gonna pay out a dime to anyone bringing a claim under your policy until they’ve spoken with you first.

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