I need some advice. Three weeks ago my wife was rear ended on her way home from work. The damage to our new car is extensive but drivable. The Guy that hit her had a non owners policy through Affirmative Insurance. It has been three weeks and they have done nothing. They claim that the owner of the car should of had a policy and therefore that company is liable for the damages. They claim that the owner of the vehicle will not return their calls and when they did get a hold of him he hung up on them, therefore they are investigating who is liable. We have attempted to contact Affirmative Insurance numerous times and they will not return our calls. We have contacted they Missouri Department of Insurance regulations and they are following up on the matter. We have been reluctant to get our insurance company involved for fear of having our rate increased. My opinion is that Affirmative should pay for the damages that their insured caused and then they can re coop later if they are not liable. We have been driving a wrecked car for three weeks that I am not sure we should be driving at all. Any one have any advice? should we get our company involved? Any other suggestions?
