Am I responsible for paying for a claim that is covered under my policy, if my insurance company refuses to pay?

Am I responsible for paying for a claim that is covered under my policy, if my insurance company refuses to pay?

After a car accident, a claim was made against me for loss of use, but my insurance company refuses to pay on account of insufficient evidence from the other party (to prove loss of use). The other party then decides to bill me directly and threatens to send my file to a collections agency. Now, my insurance admits that they will cover this cost if there’s sufficient evidence, but takes no initiative to defend me, negotiate with the other party or to work towards a compromise. Do I have the legal right to demand my insurance company to take care of this? Will this affect my credit rating?

Asked on March 8, 2012 under Accident Law, Arizona

Answers:

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