My hubby’s sister, in her early 70’s was in an accident a few weeks ago. She was rear-ended by someone so it wasn’t her fault. She heard nothing from the lady’s insurance company until she called last week. The claims adjuster said this woman has a history of being hard to contact and that this was not the first claim against her. She is not returning the insurance company’s phone calls or responding to emails or snail mail. The worse part is that my SIL’s insurance had lapsed and at the time of the accident, she was not insured. So, her former insurance company blew her off when she called them. They will not go after the other company on her behalf. She had an attorney write this lady a letter and guarantee legal action if she did not contact her insurance company. My SIL said today that she still hasn’t heard anything from this woman’s insurance. She said no way can she afford the repairs on her car by herself . Legal fees would be as much as the repairs. Can someone just ignore their insurance company when they cause an accident? What recourse does my SIL have now?