When the other driver causes the crash, the other driver’s insurance is responsible for the damage to your vehicle. However, they often stall until they have a complete copy of the crash report or until they talk to their insured to verify how the crash happened. They may refuse to deal on the damage to the vehicle because they question whether their driver caused the crash or they merely want to sit on their money to make interest. In either event, our firm tries to obtain a copy of the crash report to speed up the process. One option is to use any available coverage you have with your insurance company to cover the damage to your vehicle. The drawback is you may have a deductible.