Seeking Advice on Auto Insurance Claim and Dashcam Footage
I’d appreciate a second opinion on a situation I’ve encountered.
Last week, I was involved in a minor accident in a parking lot in Texas. When I reported the incident to both my insurance company and the other driver’s, I explained that I checked my surroundings before reversing out of my parking space. I was in the process of stopping and shifting into drive when the other driver, who was parked on the opposite side, began backing up and struck my rear left bumper.
The other driver provided a similar account to both insurance companies, but he claimed that he started backing up first and that I hit him instead.
As it stands, fault is currently deemed 50/50 since it’s my word against his, and there were no surveillance cameras in the area.
Fortunately, I have dashcam footage capturing the moment I was backing out and about to stop when the other driver hit me. However, after sharing the video with a third party, they advised me against submitting it to my insurance, suggesting it might still make me appear partially at fault.
What would you recommend? Should I share the footage with my insurance adjuster or keep it to myself?
Here’s the video: https://imgur.com/a/V68Igok
It’s understandable that you’re feeling uncertain about how to proceed, especially since evidence can significantly impact the outcome of a claim. Here are some thoughts on your situation:
Material Evidence: Since you have a video that clearly shows your perspective of the incident, it serves as tangible evidence that can strengthen your case. Dashcam footage is often considered valuable in disputes where accounts differ.
Insurance Process: If you provide the video to your insurance adjuster, it may help establish that you were not at fault, or at least reduce your liability. Insurers typically want all relevant information, and your footage could clarify the sequence of events.
Third-Party Advice: Be cautious about the advice you’ve received from that third party. They may not have a complete understanding of your situation or the policies of your insurance company. It’s important to focus on what the insurance adjuster needs to make an informed decision rather than just trying to avoid potential complications.
Legal Considerations: If you’re concerned about possible implications of sharing the video, you may want to consult a legal professional specializing in auto insurance claims. They can provide tailored advice on how your footage might be interpreted and its potential impact on your claim.
Future Steps: If you choose to share the footage, be sure to explain the context clearly to your adjuster. This may help them understand the situation better and advocate on your behalf.
Ultimately, sharing the video could enhance your case, but do weigh the potential risks and consult with a professional if you’re uncertain. Good luck!