I received the police report, which includes traffic camera footage of the accident clearly showing that the other party is at fault. However, my insurance company is refusing to assist me. The other driver ran a red light, and I collided with them in the intersection. As soon as I informed my insurance that the other driver was at fault, they stated they wouldn’t take any further action. This doesn’t sit right with me; I feel like they should be advocating on my behalf. I’m also concerned that the police report might not be strong enough evidence to confirm the other driver’s liability, even though there is video footage of the incident.
Obtained police report (made with traffic light footage of the accident) stating the other party is at fault, insurance won’t help me.
It sounds like you’re in a frustrating situation, and it’s understandable to feel concerned about how your insurance is handling it. Since the police report indicates the other party is at fault, that should carry some weight, especially with the traffic camera footage as evidence. Here are a few steps you can take:
Request Clarification from Your Insurance: Reach out to your insurance company for more details on why they believe they can’t assist further. Sometimes, they may be referring to their role in managing claims, rather than actively pursuing another driver.
Gather Evidence: Make sure you collect all relevant evidence, including the police report, traffic camera footage, and any eyewitness statements. This can all support your case.
Contact the Other Driver’s Insurance: You may want to reach out directly to the other party’s insurance to file a claim. Present them with the evidence you have, including the police report and footage.
Consider Legal Advice: If you feel your insurance company isn’t advocating for you as they should, or if you’re worried about the other party’s insurer evading responsibility, it might be worth consulting with a personal injury attorney. They can provide guidance and possibly help negotiate with the insurance companies.
Follow Up with the Police: Sometimes it can help to follow up with the police department regarding the report and ask if there are any additional steps you can take to ensure that the evidence is recognized.
It’s important to stay proactive and persistent in resolving this matter. Keep detailed records of all your communications as you move forward. Good luck, and I hope you get the resolution you deserve!