I was involved in a rear-end collision last week, and the other driver is now denying any responsibility. We exchanged information at the scene, and both of us spoke with my insurance company, deciding to file a claim through his insurance (State Farm). During that conversation, he acknowledged the damages to our vehicles.
However, earlier this week, State Farm contacted me to inform me that the other driver is now claiming there was no contact between our cars, and they are currently investigating. I have photos of the damage to my car, his insurance details, and a picture of his ID taken at the scene. What should I do next? It seems really odd that he would give me his insurance information and allow me to photograph his ID if there wasn’t any contact.
Additionally, his vehicle appears undamaged while my rear bumper is cracked.
I’m sorry to hear about your situation; it sounds really frustrating. Here’s a plan of action you might consider:
Gather Evidence: Keep all documentation related to the incident. This includes photos of the damage, any notes you took, your conversation with your insurance company, and witness statements if there were any. The fact that you have his ID and insurance info is crucial; it shows he acknowledged the situation.
Document Everything: Write down everything that happened during the incident, including the time, location, and any conversations you had with the other driver. This can help build your case.
Contact Your Insurance: Stay in touch with your insurance company and share all the evidence you have. Even if you’re filing through the other driver’s insurance, your insurer may be able to assist you in dealing with State Farm.
File a Police Report (if you haven’t already): If you haven’t done so, consider filing a report, if possible. This can be valuable evidence, especially if the police noted the damage.
Consider Getting an Estimate: If you haven’t already, get a repair estimate for your car. This will help quantify the damages if there are further disputes.
Be Prepared for a Dispute: Since he has denied liability, be prepared for some back-and-forth with the insurance company. Keep communications honest and document anything they tell you.
Consider Legal Advice: If the situation escalates or you find it difficult to deal with insurance, it might be worth consulting with a lawyer who specializes in auto accidents. They can help you understand your rights and options.
It’s definitely confusing when someone denies contact, especially after providing their information, but staying organized and documenting everything will help you navigate this process. Good luck!