My stepson had an accident at an intersection with stoplights, other party was ticketed by the police. He filed a claim with his insurance company, only to be told they had dropped collision at renewal because he added his sister who had points (the vehicle is financed, so I'm not sure how they can do this). His insurance co. is Farm Bureau. He placed a claim via the other party's insurance co (USAA) and was told the lady was out of town and would be back in 2 weeks. They couldn't do anything without her statement. Now they told him that he is 1% at fault and in NC, they don't have to pay if any fault lies with him. This all sounds very convenient for them. Meanwhile, he still owes 11,000 on the vehicle. I've told him to get a copy of his sister's driving abstract and a copy of everything the insurance company sent him related to taking the collision off. What we need to know is, is there anything else we can do? Any recourse, other than arguing with the insurance companies or getting a lawyer?What is the name of your state (only U.S. law)?