If the party at fault doesn't respond to the insurance company what will happen?

Since no one was injured, the simplest approach is to call your own insurance company and let them handle it.

Simply turn it over to your insurance company to sort out.

You should first contact your insurance company and tell them what occurred. Second, you should go see a personal injury attorney. The attorney may need to file suit or may be able to reach out the negligent driver's insurance company and speak to the adjuster. Sometimes, not always, once a suit is filed the adjuster will accept service on their insured's behalf.

The smartest move is to file a claim with your own insurance company. Once your insurance company pay for the damages, it will seek reimbursement from the liable third-party. This will help you to fulfill you obligation to mitigate your damages during the claims process.

You can hire an attorney and file suit against them immediately or let you auto insurance take care of the claim thru your collision or Uninsured Motorist coverage. The insurance company for the guy who hit you might be looking for way to not allow coverage because they are not cooperating.

Your carrier can pay your claim then they can decide to go after his insurance for reimbursement, but at that point you will be out of the process other than to cooperate with your own insurance company. You can contact a personal injury attorney for a free consolation in most states and they can provide advice as to what your particular options may be.

Yes your best bet is to go through your own collision.

In seeking an attorney on this site, beware of limiting your search to attorneys with a 10 rating, and carefully read the AVVO disclaimer regarding their rating system. There are certain factors that are given great weight which do not necessarily have any bearing on an attorney's experience, abilities, and results with certain types of cases. Accordingly, the rating numbers can be misleading. Also beware of basing your choice on the fee charged, as a low fee, depending on the skill, experience and determination of the specific attorney handling your case, could actually have an inverse relationship to the amount actually put in your pocket.

Your insurance company will handle this under the collision and apply the collision deductible. They will then pursue the insurance company for the at fault driver as well as your deductible. Impossible to say how your insurance company will treat the fact of the accident for rating purposes. I suggest you discuss that with your agent.