Last week a lady filed a police report claiming I hit her parked car. I never felt anything backing out and there was no damage done to my car. After speaking with the cop I called her asking to get an estimate of the damage and if there was major damage I don't believe it was my car that could have done it. Got the estimateof $941. I called my insurance and they had two adjusters look at her car and mine. They said the amount of damage done to her car would have caused damage to mine so they are denying the claim. She is telling the adjustor that I told her I might have done it and stuff about my car looking polished in the front and that might be the point of impact. I told her from the beginning I wanted an expert to examine the cars and I would take responsibility only if I knew for sure I scratched her car. This woman is trying whatever she can to have her car fixed.
What can she do now to try and get me to pay for her damages? Is it likely that someone will make me pay?
2006-12-15 13:36:04 · 8 answers · asked by LuvMyGirls 5 in Cars & Transportation ➔ Insurance & Registration
Those are typically the hardest claims that I usually deal with. Couple of questions, was the police report filed at the scene of the accident? Were they're any 3rd party witnesses? (exclude witnesses in either vehicle or related).
Your insurance company is on your side, keep that in mind. 90% of insurance adjusters are professionally trained and insurance companies will only deny something when they are utmost 99% true to their conclusions. They would rather pay then have a bad faith suit filed which will cost them millions as almost all courts go in favor of the plantiff.
She lady that you "hit" can take other channels including filing suit. Again your insurance company is on your side and any suit filed against you, they need to know immediately. Part of your contract with your insurance company, they will protect you within your coverages for any suit filed against you. And in this case here, you will have disposable access to their adjusters and attorneys who will work for you in the event you are sued.
Hope that helps.
2006-12-15 17:49:33 · answer #1 · answered by ? 2 · 0⤊ 0⤋
She can use her own insurance if she carries collision. If they pay, then they can decide if they want to file inter company arbitration. If your company is a member of arbitration then they will answer the arbitration and argue it on your behalf. Whatever decision the arbitrator makes will be final and binding. So if an arbitrator decides you did the damage and awards payment to the other insurance company, your carrier will have to pay for it.
If that is not an option for her, she can sue you. If she does, your insurance company will defend you in court. You just have to let them know if you get served with suit papers. And there is no telling what a judge or jury will say. So no, it's not over really.
2006-12-15 15:00:46 · answer #2 · answered by Chris 5 · 1⤊ 0⤋
if she has renewed it and paid the rate, then technically she does not have an expired license. nevertheless, she may also be ticketed for no longer having her drivers license along with her. nearly the equal as an coverage card. although you're insured, you ought to bring the cardboard with you consistently in the back of the wheel. so long as your coverage top rate is paid to this point and she or he is simply comfortably looking forward to the brand new license to reach by way of usps, then they've no grounds to disclaim a declare. on the other hand, if she is ticketed for no longer having a legitimate drivers license on her individual on the time of an coincidence, she may also be ticketed by way of the specialists and the coverage provider can carry your premiums on account that of that. well success. my recommendation, do not force with out right identity and coverage. protective your self for one, and every body else round you.
2016-09-03 14:54:14 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Call your insurance company and tell them the situation. They'll contact her insurance company. If they denied her claim, don't worry about it. They'll defend it. She'll have to file a claim with her own provider. But don't pay it until you talk to someone. I don't get how she filed a report and you weren't there. Regardless, she has no claim so don't stress over it.
2006-12-15 13:52:23 · answer #4 · answered by s 3 · 1⤊ 0⤋
She may file suit against you, and at that point your insurance company will provide you with a lawyer to defend against the claim. Do not have any more contact with her, if she contacts you, tell her to deal with the insurance company, and hang up the phone!
2006-12-15 13:40:33 · answer #5 · answered by fire4511 7 · 2⤊ 0⤋
She will have to take you to court and PROVE her case.Keep your mouth shut!!!! You have said to much already.......Denie everything. You should not have said that you might have doneit.........Don't be nice...Let her bring her witness forward. If she hasn't pictures or eye witnesses you have a 50/50 chance of winning...Any body ask's you you did not do it..She could be an oppurtunist who received the damage elsewhere and you got sucked in. You tried to be nice and she may be taking advantage.
2006-12-15 13:49:48 · answer #6 · answered by buzzwaltz 4 · 1⤊ 0⤋
tell her, look lady, I see what you are trying to do, I'll buy you a beer beer or a gallon of bondo if you are that desparate to get your car fixed and can't afford it.
You and I and the insurance company all know I didn't hit your car though.
I'll give you an hour of my time cuz I feel really sorry for you otherwise leave me alone.
2006-12-15 13:42:14 · answer #7 · answered by kurticus1024 7 · 0⤊ 1⤋
She can file suit, get a judgement for the damages you caused
2006-12-15 13:57:10 · answer #8 · answered by nbr660 6 · 0⤊ 1⤋