I was in a car accident this morning. It was raining and downhill. I rear ended a car and then immediately, I was rear ended. The car that hit me and I have the same insurance. The car that I hit had separate insurance.
My insurance company stated that they would pay for the damages on the car I hit. The also said they would pay the damages for my rear for the person with the same insurance hit me. They stated that I have to pay for the damages to the front of my vehicle where it hit the other person. I did not have collision insurance. What can I do to get $ for my front end damage?
2007-09-11 08:15:23 · 8 answers · asked by Mike Polite 1 in Cars & Transportation ➔ Insurance & Registration
they said that i was at fault for the accident. I'm like it was raining and going down hill!
2007-09-11 08:16:06 · update #1
Money from what settlement? They aren't going to give me a dime. I have to fix my own car.
2007-09-11 08:24:41 · update #2
when you rear end a car, you will be found at fault for not keeping an assured clear distance; in this case with the weather, you also have to take into account that the roads are slippery and need to adjust speed so you can slow down or brake, which you did not do; weather is never an excuse.
your insurance company will pay for the damages to the guy you rear ended 1st. that is liability insurance.
as for the other guy who rear ended you, he is at fault and is responsible for your rear end damages.
but the question is? when the 2nd guy rear ended you, did you car hit the car in front of you a 2nd time? if so, then the front end damages would be more and you could possibly ask them to apportion some of those damages of the front end to the guy behind you;
ie; instead of 100% you owe for front end, they may consider paying 25% and then you would owe only 75% yourself.
but i am sure they have asked the guy in front of you if he "felt" 2 impacts or 1. if he felt 2, then that means the guy behind you pushed you into the car in front twice. if the guy in front felt 2 impacts, then your insurance company may only owe 75% of his rear end damage and the guy behind you 25%.
since you have no collision coverage, they cannot pay for your front end damage if you are found totally liable for the guy in front of you. you will have to cover that amount yourself.
also; about injuries; if your insurance company called you and took a recorded statement and you stated you felt fine, then if you subsequently go to the doctor or to an emergency room, they will suspect that you are not trully injured and may dispute any injury settlement. dont think that you have 24 hours, that does not count. that is the reason most companies take recorded statements, since later they can prove you said something, when you might believe you didnt.
also, if the police came to the scene, it will be noted on the police report if you reported being injured also.
good luck
2007-09-11 10:07:52 · answer #1 · answered by lucy 7 · 0⤊ 0⤋
Since you didn't have the proper coverage for this and, the person who rear ended you are insured with the same company an injury settlement would be the only way out. I'm not suggesting that you fake an injury but, if you were injured they have to pay you. I'm sure they asked about injuries for the record though and, if you were injured you have only 24 hrs. to see a Dr. If you file a claim against your company your rates and, your coverage may be at risk.
2007-09-11 08:26:49 · answer #2 · answered by Keith 2 · 0⤊ 0⤋
I've been working in insurance for years and 99% of the time someone re-ends another car they are always at fault. If you did not have collision coverage they will not cover the damage to the front of your car.
2007-09-11 09:01:19 · answer #3 · answered by Angela 1 · 0⤊ 0⤋
If you rear-ended another car, that means you were following too closely and using unsafe speed for road conditions -- both are traffic law violations. Unfortunate for you, but that's the way insurance company's view it. The accident was indeed your fault.
Be thankful they are at least willing to pay for some of the damage!
2007-09-11 08:19:13 · answer #4 · answered by kja63 7 · 0⤊ 0⤋
well the front of your car was your fault so you have to pay for that raining and down hill don't matter you did not have control of your car so that makes it your fault... now for the rear of your car that was the guy in the car behind you that hit you he is at fault for not having his car under control of his car so his car insurance should pay for the back of your car (in Michigan his insurance would only have to pay up to $500.00 being you did not have full coverage) hope this helps..
2007-09-11 08:43:18 · answer #5 · answered by Dale (aka drc40m) 4 · 0⤊ 0⤋
Sounds like a character demands extra coverage for vehicle to hide the deductible. So what those men and women are pronouncing is as an alternative than pay the declare they have got additionally determined methods to stall and you continue to haven't any transportation in case you wouldn't have $a thousand sitting round.
2016-09-05 10:20:13 · answer #6 · answered by ? 4 · 0⤊ 0⤋
This is why its important to carefully read and have you agent explain your insurance coverage. I would question them about the coverage extensively and have them show you in your policy where they are not liable for the damage they have refused to cover.
2007-09-11 08:57:23 · answer #7 · answered by Anonymous · 0⤊ 0⤋
take the money from your insurance settlement and get the car fixed
2007-09-11 08:20:48 · answer #8 · answered by queenie j 1 · 0⤊ 0⤋