Insurance told me I owe money above my limit 2 months ago — still no amount or instructions??

Ugh, the waiting game with insurance is SO real. I had a situation where my insurer told me basically the same thing — 'we'll get back to you' — and it dragged on for almost four months before anything actually moved. I finally got somewhere when I asked to speak to a claims supervisor instead of whoever answered the phone. Regular reps sometimes just don't have the authority to push things forward.

Honestly from the inside, these gaps usually happen because the other party's repair shop submitted a supplement (additional charges found during the repair) and your insurer is still negotiating that final number with them. Until both sides agree, they genuinely can't tell you an exact figure. That said, two months of no updates with zero proactive communication is not great — you should absolutely be getting periodic status calls. Ask specifically for the 'file examiner' or 'senior adjuster' assigned to your claim. The front-line reps often have read-only access and can't actually do anything.

Just a heads-up: be careful about verbally agreeing to pay a number before you've seen any documentation. 'A little over your limit' is vague enough to mean a lot of things. Ask for the itemized repair estimate and proof of the final invoice in writing before you hand over a single dollar. You'd be surprised how often 'final' numbers shift upward once someone's confirmed they'll pay.

To your last question — yes, the other driver could theoretically pursue you directly in small claims or civil court for any amount above your policy limit, and the statute of limitations on property damage claims varies by state so that window might be longer than you'd expect. The good news is that as long as your insurer is actively handling the claim and you're cooperating, you're generally in a reasonable position. If this stays unresolved much longer, a free consult with a PI attorney wouldn't hurt just to understand your exposure. Not legal advice, just how I'd think about it.

A few practical things: (1) Start sending follow-up emails instead of just calling — creates a paper trail showing you've been trying to resolve this in good faith. (2) Ask your insurer for the claim number and the name of the specific adjuster of record, not just whoever answers the claims line. (3) Request everything in writing — the overage amount, the breakdown of charges, and the payment instructions. Most insurers have a complaint/escalation process; sometimes just mentioning you'd like to file a formal complaint gets things moving faster.

Call and ask to escalate to a supervisor today. Not tomorrow. Be polite but direct — tell them you've followed up twice, you're willing to pay, and you need a written statement of the amount owed and payment instructions within a specific timeframe (ask for 10 business days). Vague 'we'll get back to you' answers are what you get when nobody's assigned urgency to your file.

This would drive me absolutely crazy. The fact that you're trying to do the right thing and pay what you owe and they can't even give you a number is so frustrating. Hope you get some clarity soon — this kind of open loop is really stressful to carry around.

Did you get any kind of written notice at all, or was this entirely a verbal phone call? And did they explain why the repairs exceeded your limit — like was it a luxury vehicle, hidden structural damage, what? I'd want to understand what I was actually agreeing to pay before I confirmed anything. 'A little over' could mean fifty bucks or several hundred.