You do have options. What will and will not be covered is dependent on what type of coverage you and the at-fault individual have. If the at-fault's insurance company is declining to pay you can file the claim with your insurance company. They can pay for your claim and/or represent you in this claim against the responsible party which may be the other person or their insurance company.

Our website can help you to understand the coverage terms that will be used during your discussions with the insurance companies.