What should I do? I sent a copy of police report to insurance co. Its been 30 days and I have not heard anything.
Get an estimate of your car repair and submit it to their insurance company. If they will not / have not paid for the damages, you may have to file a complaint for them to reimburse you for property damage in Justice Court / County Court or Circuit Court.
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As Mr. Carney said, you should send them a copy of an estimate for repairs, along with a letter demanding that they cover those costs. If they do not respond, you will likely have to file a claim in Justice Court or County Court, depending on the dollar amount of your total damages. If this becomes necessary, you should consult with an attorney about your claim.
I would suggest consulting with a local attorney to evaluate the case. A simple demand letter may resolve the situation. Best of Luck.
(licensed only in Mississippi; this answer is for educational purposes only and by no means creates an attorney-client relationship)
If you can't get anywhere with the at-fault driver's insurance company, post a question as to whether MS is a "direct action" state authorizing to sue the insurer of the at-fault driver directly. If you confirm that MS is not a direct action state, you would have to file a complaint against the at-fault driver himself/herself, and not against their carrier. The carrier of the at-fault driver owes a duty to them, not to you, so ordinarily you would not be deemed to have the right to sue that carrier directly unless MS is a direct action state or you are a judgment creditor after you obtain a judgment against the "at-fault" driver. Good luck.
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