Hello everyone,
About a month ago, I had a car bump into mine. We were both driving in an urban road (speed limit is 50km/h here in Luxembourg). At one point I had to slow down because a car was leaving a road on my right (he had the priority). The driver who was following me didn't slow down and bumped into my rear. Probably on his phone, but that's a guess.
So, we stopped a little further. He apologized, checked my car and told me " That's nothing, if you want I give you 200 euros and we are done ". I refused. The damage is much higher than that. I would say between 1000-1500 euros.
We proceeded with the paper work. He had a valid insurance card. Driving license. He acknowledged his mistake. In the accident report, he made a cross on " hit someone else from behind ". He also accepted the drawing of how the accident happened. He signed the document. I kept the original and he kept the second sheet. He left and apologized once more for the trouble.
The same day I contacted my insurance agent. And the day after gave him the accident report. Here in Luxembourg, according to the law, you have 8 days to submit the accident report.
I had my car checked by an expert to evaluate the damage the following week (it is mandatory for damages over 500 euros).
Two weeks ago I got an e-mail from my agent that the insurance company can't rule on this case because the other side never sent his accident report. They claim they asked him to do so by registered mail, but got no answer. And basically the situation is stuck ever since. The insurance company told me they won't proceed until they get his accident report. Another interesting point : We both have the same insurance company.
I really have the feeling they are trying to trick me into not paying. The other driver literally signed an accident report where he admits his fault. The expert also noticed the damage on my car is all in the rear.
What seemed like an easy case has turned into a nightmare with my agent telling me I can try to contact the head of the insurance company and try to unblock situation myself ...
I don't know what to do. I feel like they are trying to scam me but don't know what are my options :/
Any help is welcome. Thanks for reading.