Hi guys, I'm asking for much needed advice regarding an accident I had on the 18th of February, I was at fault and I was third party insured and I was in the process of making a claim however as I said in the title, the other party's insurer isn't willing to send photos of their client's damages when I asked them via a phone call on the 19th, they said that my insurer doesn't need any photos and on the 20th when I asked for a description of the damages via a text message, they ignored my message and I have not been contacted since so it's been almost 3 weeks now and I'm not sure what to do since I need a description of the other party's car to move on with the claim and I'm stuck in limbo since I haven't been contacted or been sent a letter of demand, shouldn't I of been sent something by now?
I'm asking all of this since I can cancel my insurance policy by the 11th and receive a refund of $800 since I opened up my insurance policy recently and am still in the window of cancelling and receiving a refund as long as I don't make any claims which I haven't, I've just started one but never submitted it, but I don't wanna cancel and get screwed over if they send a letter of demand later on, and I'm not even sure if it's their insurer that contacted me, I searched up their number and it seems they're a debt collection company, but I've heard that insurance companies contract debt collecting to debt collection companies. Lastly, my insurer called me a few days ago but I wasn't able to pick up but I know it's about my claim since they mentioned something about my "unfinished claim" in a voicemail so yeah I'm not sure what to do, any advice would be appreciated.
I'm asking all of this since I can cancel my insurance policy by the 11th and receive a refund of $800 since I opened up my insurance policy recently and am still in the window of cancelling and receiving a refund as long as I don't make any claims which I haven't, I've just started one but never submitted it, but I don't wanna cancel and get screwed over if they send a letter of demand later on, and I'm not even sure if it's their insurer that contacted me, I searched up their number and it seems they're a debt collection company, but I've heard that insurance companies contract debt collecting to debt collection companies. Lastly, my insurer called me a few days ago but I wasn't able to pick up but I know it's about my claim since they mentioned something about my "unfinished claim" in a voicemail so yeah I'm not sure what to do, any advice would be appreciated.
