Clients often ask why it is taking the other person’s insurance company so long to pay for the damage to their car when they know that the other person was at fault. The simple answer is because they can.
 
There is no law that obligates another person’s insurance carrier to promptly pay for your auto damage. On the other hand, if you carry collision insurance and can afford to lay out your deductible, then make your property damage claim through your carrier. Your insurance carrier has a contractual and legal obligation to handle your claim expeditiously and will go after the other person’s insurance company to recover your deductible.