Auto accident; insurer denied coverage until lawsuit. Settlement with Progressive Insurance in Philadelphia County

Client was a driver involved in an accident. Once his first lawyer put the at-fault driver on notice of the injury claim, that driver did nothing—didn’t report it to his insurance company and when his insurance company tried to get his cooperation, he ignored them. When an insured ignores their insurance company, that insurance company can deny the claim for “lack of cooperation.” That happened here, and the client’s first lawyer dropped the case, since there was now no insurance to go after. Client calls me, and I decided to file a lawsuit to see what happens. Once the uncooperative other driver was served the lawsuit, I wrote him a letter, directing him to finally cooperate, which he miraculously did. The insurance company reversed the original denial of coverage, and settled for the policy limits.