How do you convince the insurance co. you are not at fault of an accident, when no witnesses stopped?

Question

The other driver ran a red light, and claims her light was also green.

Answer 1

Submit a copy of the police report to your insurance company. For even added proof that you were not at fault, get a copy of the picture the red light camera took of the other car running the light if there was a camera on the light.

If you don't have either of those things, hire an accident reconstruction agency to work with you, but be warned, they don't come cheap.

Answer 2

In the case of a "liar's contest", other factors are considered. If a left turn was involved, the adjuster may want to visit the intersection and see which light goes first, the through lane or the turn lane.

If one car was going east-west and the other north-south, it's more difficult.

It may come down to where on the cars the damage was. The one with the damage further back on the car may be said to have had "control of the intersection" and the other car's driver had "the last opportunity to avoid an impact".

The most important thing for you to do is to tell the absolute truth, and stick with it no matter what anybody says.

If you tell the same story 4 years after the accident that you told the cops the day it happened, you will always come out smelling like a rose.

If you waffle just one time, you're insurance company could turn on you and pay like you're at fault in a heartbeat.

By the way, unless the police were eye-witnesses of the accident, the police report doesn't mean squat. It's "hear-say" evidence and inadmissible in court because the cops simply heard your side and wrote it down, and heard the other side and wrote it down. Their report is one step removed from the primary source of information and doesn't prove anything.

Answer 3

Good luck! You're dealing with word vs. word situation. If you're talking about the other person's insurance you have to keep in mind that first, they owe a duty to their insured to defend them against claims. If there is no preponderance of evidence to show that their insured is at fault, of course they will deny your claim. Proof would be an independent witness or a good police report (not all police reports help clear up liability, but it would take too long to get specific, you obviously don't have one). So you're pretty much sunk.

You can use your own carrier if you have collision coverage and they can determine if it's worth it to pursue the other person. This is a very very very common dispute and results very often in a denial. No proof, no payment. It's you vs. the other person and you lose. You could file a suit, but you'd have to prove your case. The evidence is already out there, and you should know that if you sue, there's no guarantee you'll do any better.

Answer 4

Unfortunately... your 99.9% likely S.O.L. People who are suggesting accident reconstructionist and stuff are ridiculous. How on earth are they going to find proof of who had a green light at that time without any witnesses?! Dont waste your money. Think about it? Can you think of any way to prove you had the green light? Then how do you expect the insurance company to? Likely this will go word vs. word. Your insurance company will find her at fault and theyre insurance will find you at fault.

Answer 5

Geico is a somewhat notorious tightwad even as it incorporates paying claims. and assured, it truly is easily one among those component that takes position once you're both with the same provider. because of the particular reality they could want to pay both way, they are going to tug their feet, and also you have not were given absolutely everyone to bypass to bat for you. once you've been with a particular provider, you may have a lot more effective functional success, regardless of a shitty organisation like Geico (and Geico is truly shitty), on account that that they had sic their criminal experts everywhere interior the opposing coverage organisation. And if Geico says the diverse purpose stress has criminal accountability, i might want to take their be conscious for it. somewhat if the diverse purpose stress is insured with Geico. that still means they could want to pay, and the at-fault list means you'll want to no longer might want to wish to pay the deductible. also, you'll want to be reimbursed for any out-of-state rates for the house vehicle. If Geico supplies you any further ****, tell them you have become a criminal professional. Oh, and get a clean coverage provider.

Answer 6

Agree with police report. Believe me, your insurance company WANTS to believe you.

Answer 7

Get a copy of the police report, see what that has to say. It should indicate who was at fault.