the green light, when a Durango smashed into my rear driver's side door from my left , smashing it in. I drive a 89 toyota camry. He was coming from the other light. I called my and his insurance and explained what happened. The police didnt do a police report because they said that unless someone is injured or the car is totaled, they do not do police reports. There were no witnesses. His insurance is saying that he says I ran the red light. Is anyone familiar with what the insurance company will decide? Based on proof that is lacking, what their decision will be? I know I had the green light but Im really upset that this man is lying and want to know what the decision will be in the end.
2006-10-07 11:20:17 · 7 answers · asked by Anonymous in Cars & Transportation ➔ Safety
wow.
2006-10-07 11:21:52 · answer #1 · answered by a.m. 4 · 0⤊ 0⤋
1) the police were wrong, because if there is any damage the police should come out and investigate. to top it off one of the cars had a traffic violation (ran a red light) and they had to come out. why didn't they come out? something very suspicious here.
2) you should have left the cars the way they were (within reason, for safety) until the police showed up
3) did you take any pictures?
4) it's your word against his so you are going to have a hard time proving that that you had the green and he had the red, however a decent accident investigator should be able to figure it out. the insurance will usually hire someone to go over the facts of the case. go out there now and take pictures, make very detailed diagrams of where you were exactly and where he was, with distances measured and the location of any debris
5) are you sure that there were no witnesses? you should put out a notice in the newspaper to see if there were any witnesses
2006-10-07 18:26:33 · answer #2 · answered by ♪ ♫ ☮ NYbron ☮ ♪ ♫ 6 · 0⤊ 0⤋
I work for a large insurance company in WI, and what I can tell you is that an adj will be assigned to the claim. They will look at both cars, and be able to tell what happened. Now do you have full coverage or just liability? What I would recommend doing is going to the local police department, and filing your own police report with them, and give it to the adjuster when they contact you.That way you will have something on record. Did you file a report with his insurance company? If so you might also want to file one with your's.. Hope this helps.If you have any other questions let me know,maybe I can help..
2006-10-07 18:46:28 · answer #3 · answered by devonrhodes81 1 · 0⤊ 0⤋
You really need to talk to the policeman, he should have done a report anyway. Did he come to the scene? If not, there may not be anything he can do.
Also, your insurance company needs to know what is going on. They should be helping you, if they are not, let them know that you are dissatisfied with the service they are giving you and ask to speak to a supervisor.
I hope it all works out for you.
2006-10-07 18:25:21 · answer #4 · answered by juniper 3 · 0⤊ 0⤋
The decision is up to the insurance companies, yours and his. They will have to decide. In any case if you are insured your insurance company will have to take care of you and his insurance company will have to take care of him. Let them do the fighting.
2006-10-07 18:30:22 · answer #5 · answered by taurus 4 · 0⤊ 0⤋
Normally, in instances like that, if he hit you on the front side of your vehicle, the courts will side with him, if it is on the rear side of your car, they will side with you because you were further into the intersection then he, and vise versa...I know it sounds crazy, but that is how it is...Take him to court. Dont allow your driving record to take a hit...
2006-10-07 18:54:59 · answer #6 · answered by Anonymous · 0⤊ 0⤋
You have to stress that you are not at fault, that he is lying. Your insurance should back you up & don't give in. Worst case, his insurance may pay for his & your insurance may have to cover yours.
2006-10-11 17:51:30 · answer #7 · answered by Edward J 3 · 0⤊ 0⤋