How do i challenge an insurance company’s assessment of fault in an auto accident?

Question

I was just informed by my insurance company that I was at fault in an accident even though I actually wasn't. Basically, we both changed into the same lane at nearly the same time. I merged first then he came in a second later scraping his car against mine. At worst this case should be 50-50 but since I merged in first and was more established I think the blame should go to the other guy.
I then received a call from my agent who said the other guy claimed he was in the same lane the whole time and I simply hit him. Based on his story my insurance company determined it was my fault.
My question is how can i challenge this? How can someone sitting in an office a thousand miles away make two phone calls and determine who was at fault? The guy that hit me lied and my insurance company chose to take his word over mine without any evidence. Is there anything I can do?

thanks

Answer 1

Since it doesn't sound like your agent will go to bat for you, report you insurer to the state insurance commission. They have a standard complaint form you can fill out.

What you want to say is that your insurer has an obligation to look out for your best interests, and it is not in your interests for them to pay a claim you don't owe, just so they can raise your rates.

These are taken very seriously inside insco's.

Answer 2

What does the police report say? Does it support you? Or the other driver? Or suggest that it was a simple accident with no particular negligence on the part of either driver? Did both of you, or neither of you, use your change lane signal? If the police report supports you, then there should be an appeal process with your insurance company. Or you could consult an attorney who specializes in insurance claims. But you will want to first analyze whether the extent of damage justifies the expense of an attorney.

Answer 3

You could try talking to your state's department of insurance. You are in a theysaid/wesaid situation. It boils down to who has the more believable story.

Answer 4

you will possibly be able to desire to call your agent and ask the type you go approximately problematical the insurance companies ruling. they might desire to have some sort of a board in the business business enterprise that carry hearings on demanding circumstances to judgements made.