Auto Insurance Help: I Was in a Hit-and-Run—Seeking Guidance
Location: California
I’m reaching out regarding an incident I was involved in recently, and I have some questions:
- If I send pictures, the requested diagram, and the witness statement to my adjuster, could this potentially harm my case?
- How can I make the diagram clearer?
- Should I provide all the photos I have?
- I’m looking to recover my $500 deductible and ensure there’s nothing detrimental on my record.
What Happened:
Here’s a brief overview of the situation: View Photos
Road closures were in effect, causing all vehicles to merge left, with cones set up by the police. A white van appeared to be trying to avoid police at the intersection around 9 PM on a Friday night. Initially, it veered right toward the cones but then realized it had to go left. While maneuvering, it collided with my car.
I have photos taken after the incident that show the scene. My insurance company is attempting to subrogate, but I feel they might be looking for reasons to deny my claim. The police report states there’s no evidence to confirm the van hit my car.
I do have a witness statement, but the individual has requested not to be contacted about the matter.
The damage to my vehicle is estimated at approximately $4,000, and I drive a silver sedan. I suspect the driver of the white van was intoxicated, as they seemed to panic upon seeing the police and attempted to make a right turn before being forced left.
This is the witness statement I received: “On 7/17, my daughter and I were driving home on Alicia when we encountered an accident on Kite Hill. The police had shut down the road, and all cars were making a U-turn. All three lanes were merging into the left turn lane, and it was chaotic. There was a white Toyota Sienna minivan and a silver sedan. Someone was honking, and they were trying to cut in front of each other. The minivan moved in front of the sedan, and then we heard what sounded like a collision. The minivan completed the U-turn and drove off, while the sedan pulled over. There was an officer nearby, and we heard the sedan driver telling the cop, ‘that guy just hit me.’ Afterwards, we made our U-turn and continued on our way.”
Any advice or insights would be greatly appreciated! Thank you.
I’m sorry to hear about your situation; hit-and-runs can be really frustrating to deal with. Here are some responses to your questions:
Generally, providing documentation such as pictures, diagrams, and witness statements is beneficial in supporting your claim. As long as the information you provide is truthful and accurate, it shouldn’t harm you. However, if there are any inconsistencies in what you present and the official report, it could complicate things. Always be honest in your statements.
WHAT CAN I MAKE MORE CLEAR in the diagram?
Ensure the diagram accurately reflects the road layout, including lanes, cones, and the positions of both vehicles. Clearly indicate the direction each vehicle was moving before and after the incident. It might also help to label important elements (like the police presence, cones, and any visible landmarks) for clarity.
SHOULD I SEND ALL PICS?
Yes, you should send all relevant pictures, especially those showing the damage to your vehicle, the scene of the accident, and any road signage or markers that indicate what was happening at that time. More evidence may strengthen your claim.
I am seeking my $500 deductible back AND also making sure nothing is on my record.
Make sure to follow up regularly with your insurance adjuster to monitor the progress of your claim and address any concerns. Good luck, and I hope you get this resolved soon!