How do i rebel an insurance company’s assessment of breakdown surrounded by an auto disaster?
I was just informed by my insurance company that I be at fault in an stroke of luck even though I actually wasn't. Basically, we both changed into the same lane at nearly indistinguishable time. I merged first then he came contained by a second later scraping his motor against mine. At worst this case should be 50-50 but since I merged in first and be more established I think the blame should go to the other guy.
I after received a call from my agent who said the other guy claimed he was contained by the same lane the whole time and I simply hit him. Based on his story my insurance company determined it be my fault.
My question is how can i disregard this? How can someone sitting in an office a thousand miles away net two phone calls and determine who was at reproach? The guy that hit me lied and my insurance company chose to take his word over mine without any evidence. Is near anything I can do?
thanks
Answers:
What does the police report speak? Does it support you? Or the other driver? Or suggest that it was a simple accident beside no particular negligence on the part of any driver? Did both of you, or neither of you, use your change lane signal? If the police report supports you, then in attendance 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 interfere with justifies the expense of an attorney.
You could try chitchat to your state's department of insurance. You are in a theysaid/wesaid situation. It boils down to who has the more believable story.
Since it doesn't sound similar to your agent will go to bat for you, report you insurer to the state insurance commission. They have a standard complaint form you can swarm out.
What you want to say is that your insurer has an prerequisite to look out for your best interests, and it is not in your interests for them to pay a claim you don't owe, in recent times so they can raise your rates.
These are taken very seriously inside insco's.
Related Questions:
I after received a call from my agent who said the other guy claimed he was contained by the same lane the whole time and I simply hit him. Based on his story my insurance company determined it be my fault.
My question is how can i disregard this? How can someone sitting in an office a thousand miles away net two phone calls and determine who was at reproach? The guy that hit me lied and my insurance company chose to take his word over mine without any evidence. Is near anything I can do?
thanks
Answers:
What does the police report speak? Does it support you? Or the other driver? Or suggest that it was a simple accident beside no particular negligence on the part of any driver? Did both of you, or neither of you, use your change lane signal? If the police report supports you, then in attendance 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 interfere with justifies the expense of an attorney.
You could try chitchat to your state's department of insurance. You are in a theysaid/wesaid situation. It boils down to who has the more believable story.
Since it doesn't sound similar to your agent will go to bat for you, report you insurer to the state insurance commission. They have a standard complaint form you can swarm out.
What you want to say is that your insurer has an prerequisite to look out for your best interests, and it is not in your interests for them to pay a claim you don't owe, in recent times so they can raise your rates.
These are taken very seriously inside insco's.
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