"Hello Sergeant Ness, My car was hit about 4 months ago in a store parking lot located in Elgin. I called the local police but they told me they couldn't file a police report because the accident happen on private property. I was in the store when this took place. I got all of the information from the person who hit my car but know I'm calling her insurance company to see the status on the claim and they tell me that it's on stand by because the person who hit my car has not responded to any of the correspondence her insurance company has send her. She has not has not admit or decline the claim. I don't want to place the claim under my insurance until I'm certain that's the only way. Can you give me any advised on what my next steps should be?"
Thank you in advance, Arturo
Some Police Departments as a policy may not take crash reports when they happen on private property. If this is the case, your best course of action is to do exactly what you did, exchange information with the other party. You should gather as much information, photos, etc. yourself as you can. If you submit the information to your insurance company, they will usually pay for your repairs and then attempt to collect from the other party's insurance if they are at fault. You might attempt to collect directly from the other party's insurance without involving your insurance company, but as you are experiencing, this can take longer in some instances.
My only advice to you would be to call your insurance agent and explain the situation. He may be able to take over dealing with the other insurance agency. If the crash was clearly not your fault, I am told that it shouldn't affect your insurance or rates.