Is it one's right to ask another party's auto insurance for a copy of their investigation?

Question

I got into a car accident in New York (I made a left turn and the other driver broke the red light and hit me because the road was icy and he had summer tires, but claimed that his light was yellow) and the fault is being disputed, as there were no witnesses. The other person's insurance company (Progress.) sent me a letter saying that it was my fault because I was distracted, when there is no supporting evidence what so ever (they didn't even talk to me). I didn't even ask them for anything, I just don't my insurance company to classify me as an increased risk driver as I am 18. I was wondering if I had the right to request a copy of their investigation, or if I have any other rights against them (or where I can find such information). Thanks

Answer 1

You are not entitled to the other insurance company investigation or evidence they obtained in their investigation. What your insurance company does and what the other insurance company does are mutually exclusive...unless your insurance company agress with them.

Answer 2

1

Answer 3

When an accident is word vs. word both insurance companies side with their own drivers story- therefore- Progressive put you at fault b/c their driver said you were and they had no evidence supporting otherwise. Your insurance did the same thing to their driver. All that letter that you got is is a denial letter telling you that you cannot go through them for coverage.

And no, you dont have the right to see their investigation. But there is no reason for you to anyways.. its a simple rule.. word vs word accident- both insurance companies side with their insured. Why would they put their own driver at fault if it cant be proven? Would you want your insurance to do that to you?

Answer 4

No. But your insurance can, and should. They should also be representing you and denying you were distracted, and that you had the green light.

Call your agent.