I can definitely understand the frustration here . To put it into perspective , insurance is designed to protect the insured party from personal liability if they have liability insurance , and from property damage if they have collision . Therefore , most insurance companies need to be able to speak with their insured before making payments from their policy . If the insured is refusing to speak with his insurance company , that can leave him personally liable to either subrogation from your insurance company if you carry collision , or to a direct lawsuit from you . Many people feel that they can dodge responsibility rate changes , etc . by ignoring calls from their insurance company , but that really just leaves them personally liable . They fail to realize that they pay for insurance to protect them .