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Hello,You may not believe in lawsuits, but based on your stated facts, hiring a lawyer may be your only option. Insurers in California have a statutory obligation to pay claims in a timely manner. Two years means something is very wrong somewhere -- though I cannot say where. What I can say is that personal injury attorneys work on contingency, so you wouldn't be paying anything up front -- and, usually, a personal injury attorney get more money from an insurer that you could ever possibly accomplish, frequently the difference is enough to cover the attorney's contingency fees. The insurance commissioner (IC) has limited authority. The IC cannot get you damages from the other insurer, or force the other driver to disclose the name of that insurer. IC can only force your insurer to honor its contractual requirements. So, if you would be satisfied with that as an outcome, then an IC complaint may be all you need. But, otherwise, you will need a personal injury attorney. If you would like a link to a lawyer referral service, please let me know if my answer is helpful, and I will be happy to provide. And, thanks for using justanswer.com!