My niece is really heart-sick. She is only 20 and just financed her first car. About a week ago someone hit her beautiful car and drove off. It was a hit and run. She has insurance, but deliquent in payment. She sent them a cashier's check to cover her insurance in full. She sent a cashier's check to the insurance. The company hadn't sent a late notice. Upon the evening of the accident-- the check was in the mail. The insurance company, in the meantime, took photos of her car. And upon receipt of the cashier's check it was immediately negotiated by her insurance company. But, they refuse to pay for the damage done to her vehicle. In a like manner, are they not accepting responsibility for repairs in that they cashed her check? She is a very sad young girl. Is there anything we can do?