Only own liability insurance - don't agree next to other insurance shipper liability edict.?
Lets say I was surrounded by an accident where someone come over into my lane & hit me. It was their fault but their insurance company have not accpeted liability because their driver is telling a different story. Their driver is telling their company that I come over into their lane.
I didn't call the police. A mistake, I realize.
I only hold liability insurance. Can my insurance company do anything for me? What are my options? If they are offering me 50%, should I take it?
Answers:
1) Have them issue you salary for the undisputed amount of your damages.
2) Sue the driver in small claims court.
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Liability decisions are base upon EVIDENCE first, credibility of the witness (drivers involved), and the insurance company will always stand behind their driver unless evidence suggests otherwise. No your insurance can't do anything for you...you said it yourself, you simply have liability coverage.
The insurance company is going to do whats in the best interests of the policyholder & the company. Now because they are unloading two different stories though it makes it a harder situation to resolve. Again claims adjusters are not lawyers, but negotiator. They do know the law but are not going to take the directive into their own hand, most adjusters will tell you as capably they cannot answer hypothetical questions. You should get a attorney, but before really think did you hold more responsibility next the other guy for your actions. It might be a 50/50 but again you are the upset one..and he is as well.
You are surely out of luck. Tell me this.... if two people are both saying the other personage crossed over the center lane... how on earth is a company supposed to know who is telling the truth?
They arent freshly going to pay you (not even 50%) because they have beyond doubt no proof their policy holder did anything wroth paying. So.. unless you have a witness.. police report.. etc.... you are absolutely 100% out of luck...
P.S. oh lord.. i know someone would pull out the "lawyer" comment... did the lawyer see the coincidence? Now tell me... what exactly could a lawyer do here? NOTHING besides cart some of your money. Lawyers dont magically cure something. No evidence= no payment
Get a lawyer. You are going to requirement one.
Related Questions:
I didn't call the police. A mistake, I realize.
I only hold liability insurance. Can my insurance company do anything for me? What are my options? If they are offering me 50%, should I take it?
Answers:
1) Have them issue you salary for the undisputed amount of your damages.
2) Sue the driver in small claims court.
*
Liability decisions are base upon EVIDENCE first, credibility of the witness (drivers involved), and the insurance company will always stand behind their driver unless evidence suggests otherwise. No your insurance can't do anything for you...you said it yourself, you simply have liability coverage.
The insurance company is going to do whats in the best interests of the policyholder & the company. Now because they are unloading two different stories though it makes it a harder situation to resolve. Again claims adjusters are not lawyers, but negotiator. They do know the law but are not going to take the directive into their own hand, most adjusters will tell you as capably they cannot answer hypothetical questions. You should get a attorney, but before really think did you hold more responsibility next the other guy for your actions. It might be a 50/50 but again you are the upset one..and he is as well.
You are surely out of luck. Tell me this.... if two people are both saying the other personage crossed over the center lane... how on earth is a company supposed to know who is telling the truth?
They arent freshly going to pay you (not even 50%) because they have beyond doubt no proof their policy holder did anything wroth paying. So.. unless you have a witness.. police report.. etc.... you are absolutely 100% out of luck...
P.S. oh lord.. i know someone would pull out the "lawyer" comment... did the lawyer see the coincidence? Now tell me... what exactly could a lawyer do here? NOTHING besides cart some of your money. Lawyers dont magically cure something. No evidence= no payment
Get a lawyer. You are going to requirement one.
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