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
2007-07-13 11:09:26 · 7 answers · asked by gavin 1 in Cars & Transportation ➔ Insurance & Registration
You do it in writing.
2007-07-13 11:29:40 · answer #1 · answered by bundysmom 6 · 2⤊ 3⤋
You need to call your agent and ask how you go about challenging the insurance companies ruling. They should have some sort of a board within the company that hold hearings on challenges to decisions made.
2007-07-13 11:51:02 · answer #2 · answered by ? 7 · 1⤊ 1⤋
They wouldnt just choose his word over your unless they had proof. Their job is to protect you and not pay out of possible- you really just think theyd pay the other driver for the fun of it? Please.
He must have some evidence proving you were at fault.. perhaps a witness... a police report that sided with him.. etc.
Point of the story.. no, you cant fight this. They wouldnt pay unless they had a darn good reason. You should be happy they are protecting you.
2007-07-13 12:14:21 · answer #3 · answered by Anonymous · 2⤊ 1⤋
Well, what 'evidence' do you have? Unless you can provide witnesses or video tape of the loss then it's just one of those things that happen in life. You may be able to appeal to a manager -- at least you will get a reasonable answer.
2007-07-13 13:54:30 · answer #4 · answered by Anonymous · 2⤊ 0⤋
without a police report, it's pretty tough to determine. shoulda called the cops. they would have decided who was at fault and the police report is what u would use to challenge the company, provided the report shows you were not at fault. also, even if u are 50% at fault, most companies still consider it and at-fault accident for u.
2007-07-13 11:16:02 · answer #5 · answered by My Pits A Lover Not A Fighter 5 · 1⤊ 1⤋
Undoing this mess will probably require spending several hours on the phone, convincing people.
If you are involved in an accident, do not give your insurance information unless you are at fault. Always call as early as possible.
2007-07-13 11:16:12 · answer #6 · answered by lithiumdeuteride 7 · 0⤊ 2⤋
His story was more believable than yours. It sounds like a case of your word against his. Similar thing happened to me, the cop believed the other guy, even though I had the skid marks to prove my claim of lane position.
You might try escalating up the chain of command at your insurance company, or you could consult an attorney.
2007-07-13 11:16:00 · answer #7 · answered by Anonymous · 0⤊ 3⤋