Do insurance companys sue individuals?
I was in a car accident a few weeks ago (the 4th), my car was totaled, so was the other. The police filed a report, there were witnesses and insurance info was exchanged. The next day the insurance company called, checked on my injuries and then went into the options I had regarding my car. We decided to go directly after the other drivers policy so I would get as much money possible to replace my car. A few days later and no word from my insurance had me calling them. They told me that they were investigating if the guy even had insurance at the time of the accident (we have the same insurance company). We decided to just collect on my collision policy since it doesn't seem that they can investigate this very quickly. They were still investigating Tuesday. I would like to sue the kid for my deductible. I was wondering if my insurance company would do that for me? They said at the beginning before any investigating started that, they would reimburse my $1000 when they collected if I went with my own policy.