Rear End Collision. Two Cars Same Insurance company and a supposed 3rd Phantome Vehicle.?
Simple Scenario: I was driving and stopped for a school bus. The driver at the rear me hit my car. I felt one impact. Damage be front his front bumper and my rear. No damage be found on his rear at scene of accident. Situation be written by police officer for following to close for driver of vehicle that hit mine. Driver who hit me claims that a phantom vehicle behind him came surrounded by contact with his vehicle which caused it to hit mine. Police officer did not wage much attention to this but I assume he probably took note of that.
We both have equal insurance company. My agent is telling me that my deductable is not waived that I may own to pay it due to the possibility of the phantom vehicle being involved.
My cross-examine: Why would I pay for the claim out of my coverage when a ticket was issued by a police officer contained by my favor and there is no actual evidence to conclude this phantom vehicle? I am the martyr and I am paying 100%.
As explained to me by a recommended lawyer,! as long as you realise that the tenet in the UK is to protect the guilty from the innocent I will take you on as a client !
thats bull crap, i would take that to court, nil wrong with sueing your own insurace company , i'm sure your not going to keep them anyway after this. there's no agency you should have to pay anything. you be hit in the rear and the other personage got the ticket, any judge is going to progress in your favor, but be sure when you make the decree suit in small claims court of course, you autograph the insurance company and the person that hit you
You're anyone screwed, basically. The collision is not your fault, your claim is against the other driver & his insurance policy - he hit you, simple as that. You should not be out of pocket. Don't stand for the insurers trying to wriggle out of it.
The business beside the "phantom" car is not your problem. I suspect the police officer didn't believe it. Either.
You may enjoy to sue the other driver for your deductible which then his insurance should pay him ,if he persues it .
Remimber the insurance requirements to get out of this for as cheap as possable.
Stand your ground with them
YOU DON'T.................
1. YOU DID NOTHING WRONG.
2. YOU DID NOT RECEIVE A TICKET.
3. PHANTOM CAR, YEA RIGHT.
4. YOUR INSURANCE AGENT IS TRYING TO PULE THE WOOL OVER YOUR EYES.
5. CHECK WITH THE BOARD OF INSURANCE WHICH IS ON LINE AND SEE IF THEY CAN HELP YOU. Source(s): 923
you ALWAYS i repeat ALWAYS have to take-home pay your deductible when going through YOUR POLICY regardless of fault.
Since they havent determined liability yet underneath dude #2's policy.. your only choice if you want repairs RIGHT NOW is to go through your own.
You are response to wait around while they investigate and determine liability and if they eventually find him at fault.. next you can go through HIS policy free of charge.
Make sense?
Its not just "oh the other guys at fault" and LIKE THAT you suddenly dont enjoy to pay your deductible on your own policy. If you want to get itdone free.. you hold to go through his and that takes time (although, i cogitate they will probably accept liability under his claim eventually if in attendance truly is no damage to the rear of his vehicle)
and btw... please someone relate me... why on earth they think the insurance company would be doing this for fun. It amazes me how relations think insurance tries to "screw you over". So your telling me.. that when in attendance other customer says there be a 3rd vehicle.. they shouldnt investigate that for someone who pays them monthly?
How on earth would they benefit if this girl goes through her own policy instead? regardless they are still paying for the loss! Uneducated stupid populace who think the world is out to get them crack me up
"> Wait...your insurance agent is telling you that you'll pay for the REPAIR, or the DEDUCTIBLE?
Because if it's the former, you're getting screwed. I'd look into getting a attorney, if the damage is bad. I'd manifestly threaten to contact your state/country/whatever's insurance regulators, and Consumerist.com and whoever else covers stories like this.
If it's the latter, well, nearby it's more ambiguous.
If there was no desecrate to your attacker's bumper, he's lying. You shouldn't be paying for anything.
If there is, he might not be lying, it might not be the fault of anyone whose insurance is truly involved, and he shouldn't be paying your deductible.
Regardless, the insurance company could just be trying to weasel out of it.
Related Questions:
We both have equal insurance company. My agent is telling me that my deductable is not waived that I may own to pay it due to the possibility of the phantom vehicle being involved.
My cross-examine: Why would I pay for the claim out of my coverage when a ticket was issued by a police officer contained by my favor and there is no actual evidence to conclude this phantom vehicle? I am the martyr and I am paying 100%.
As explained to me by a recommended lawyer,! as long as you realise that the tenet in the UK is to protect the guilty from the innocent I will take you on as a client !
thats bull crap, i would take that to court, nil wrong with sueing your own insurace company , i'm sure your not going to keep them anyway after this. there's no agency you should have to pay anything. you be hit in the rear and the other personage got the ticket, any judge is going to progress in your favor, but be sure when you make the decree suit in small claims court of course, you autograph the insurance company and the person that hit you
You're anyone screwed, basically. The collision is not your fault, your claim is against the other driver & his insurance policy - he hit you, simple as that. You should not be out of pocket. Don't stand for the insurers trying to wriggle out of it.
The business beside the "phantom" car is not your problem. I suspect the police officer didn't believe it. Either.
You may enjoy to sue the other driver for your deductible which then his insurance should pay him ,if he persues it .
Remimber the insurance requirements to get out of this for as cheap as possable.
Stand your ground with them
YOU DON'T.................
1. YOU DID NOTHING WRONG.
2. YOU DID NOT RECEIVE A TICKET.
3. PHANTOM CAR, YEA RIGHT.
4. YOUR INSURANCE AGENT IS TRYING TO PULE THE WOOL OVER YOUR EYES.
5. CHECK WITH THE BOARD OF INSURANCE WHICH IS ON LINE AND SEE IF THEY CAN HELP YOU. Source(s): 923
you ALWAYS i repeat ALWAYS have to take-home pay your deductible when going through YOUR POLICY regardless of fault.
Since they havent determined liability yet underneath dude #2's policy.. your only choice if you want repairs RIGHT NOW is to go through your own.
You are response to wait around while they investigate and determine liability and if they eventually find him at fault.. next you can go through HIS policy free of charge.
Make sense?
Its not just "oh the other guys at fault" and LIKE THAT you suddenly dont enjoy to pay your deductible on your own policy. If you want to get itdone free.. you hold to go through his and that takes time (although, i cogitate they will probably accept liability under his claim eventually if in attendance truly is no damage to the rear of his vehicle)
and btw... please someone relate me... why on earth they think the insurance company would be doing this for fun. It amazes me how relations think insurance tries to "screw you over". So your telling me.. that when in attendance other customer says there be a 3rd vehicle.. they shouldnt investigate that for someone who pays them monthly?
How on earth would they benefit if this girl goes through her own policy instead? regardless they are still paying for the loss! Uneducated stupid populace who think the world is out to get them crack me up
"> Wait...your insurance agent is telling you that you'll pay for the REPAIR, or the DEDUCTIBLE?
Because if it's the former, you're getting screwed. I'd look into getting a attorney, if the damage is bad. I'd manifestly threaten to contact your state/country/whatever's insurance regulators, and Consumerist.com and whoever else covers stories like this.
If it's the latter, well, nearby it's more ambiguous.
If there was no desecrate to your attacker's bumper, he's lying. You shouldn't be paying for anything.
If there is, he might not be lying, it might not be the fault of anyone whose insurance is truly involved, and he shouldn't be paying your deductible.
Regardless, the insurance company could just be trying to weasel out of it.
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