So far as I know this was a non-physical injury accident. Both parties insured. My vehicle was a total loss, not so sure about the other? Near the one year mark I was still being billed for insurance on a non-existent vehicle and receiving calls from a "subrogation specialist". As I hadn't received any paperwork or cancellation from my insurer I phoned an inquiry and found my agent had not filed my claim due to technicalities. After clearing this up and finding they haven't paid a claim to date I've rec. yet another call from the subrogation folks. I've received nothing by mail and my insurer says they can't do anything unless I do. They say communication with the 2nd party advices they have an attorney and are not to speak to them. Unemployed and desire resolution asap!