Good to go Auto Insurance Subsidiary of American Independent Companies, based in Atlanta,GA Bankers Independent Insurance Company Conshohocken Pennsylvania

Unless I read this wrong, you're saying YOUR CAR was involved in a COLLISION with another car and the driver of THAT car is at fault, right?  First off, it was NOT an "accident" ... it was a "COLLISION" !  If it was that driver's fault,  it was preventable and that driver could and should have done something to have avoided the COLLISION.  Having said that, it also seems what you're saying is you contacted that driver's insurance company and they are playing games with your claim and you are here complaining about their bad "customer service".  Well guess what?  You are NOT their customer!  The other driver is their customer and they could care less about you!  There's something else you seem to be completely overlooking!  Their only purpose in this is settle this as cheaply as possible!  So I must ask, why are you even messing with an entity which could care less about you?  You have car insurance, don't you?  You PAY for this insurance, do you not?  YOU are THEIR customer and therefore their loyalty is to YOU.  Why didn't you turn over this matter to YOUR insurance company and have them fight for you? Isn't that what you pay them for?  If you want to get the short end of the stick in this deal, continue as you are.  They will try to wear you down while offering you as little as possible.  Since you are not involving you own insurance company and your own adjuster, they think you are stupid!  Do two things as soon as you're done reading this.  Contact your own insurance company.  Look for and contact an "independent adjuster" who will work FOR YOU rather than you getting taken for a ride by either insurance company!  Bottom line here is I don't want to see you getting screwed here.  One thing you can absolutely guarantee is insurance companies will try to get by paying out as little as possible!