I am unclear why you waited almost 3 years to get your car fixed. I would suggest that you discuss in detail with a local personal injury lawyer, whether you were injured or this is just property damage.
You should walk to the small claims court in your county and file a case.
If the other driver's insurance has been messing around with you, this is your best bet.
Send the filed case to the adjuster and tell them you hope they'll accept service on their insured's behalf.
If they won't, come back and we'll tell you the best way to serve him/her.
You get defendant's address from police report. Once suit is filed you satisfy statute of limitations.. Meet with a lawyer to discuss your options.
You might be able to get the defendant's address from the police report. Waiting 3 years to settle this is a risky approach and it would be wise to look for an experienced personal injury attorney to help you with your case.
Do not sue the insrance company. They are the wrong defendant. You sue the guy who hit you. His insurance company is the one who answers for the damage that he caused, but they did not cause the damage. A case against the insurance company will get thrown out.
You do not mention the amount of money involved but if it is $10,000 or less you have a small claims case. As soon as you have filed the case you have satisfied the three year statute of limitations. But keep in mind that you will need to PROVE that the insurance company is low balling you. Unless you are an experienced collision mechanic or an experienced auto appraiser your opinion will not be admissible in court. So unless you meet those qualifications you will need credible estimates or testimony from qualified collision technicians to refute the insurance company's evaluation. And you also don't mention whether there has been a determination of fault. The insurance company may be basing it's "low ball" evaluation on a reduction because of a percentage of fault that they attribute to you for causing the collision. That too will need to be dealt with in court.
You can find the defendant's address on the notes that you took at the accident scene or on the collision report. You can get a copy of the collision report from whatever agency investigated the accident. If none of those work then you will need a private investigator.
But your priority now is getting a case on file with the court before the three years expires.
You cannot sue the insurance company for the party responsible for causing the auto accident. The insurance company is not a proper party because it did not cause the accident. Your remedy is to sue the responsible party at which point his insurance company will get involved to provide him with a defense against your complaint. If your damages are less than $10,000, this belongs in small claims court
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