I was rear-ended last week, and the driver is now denying responsibility. He initially provided me with his insurance information, and we both spoke with my insurance company to file a claim through his insurer, State Farm. During our conversation, he acknowledged the damages to our vehicles.
However, earlier this week, State Farm contacted me to say that he is now denying that his car made any contact with mine, and they’re currently investigating the situation. I have photos of the damage to my car, as well as images of his insurance details and his ID from the scene. What should I do next? It seems pretty ridiculous because if there was no contact, why would he give me his insurance info and allow me to take a picture of his ID?
To make matters worse, his vehicle shows no damage because it has a metal front bumper, while my rear bumper is cracked.
I’m sorry to hear about your situation; that sounds really frustrating. Here’s what you can do next:
Document Everything: You already have some evidence with the pictures of the damage, his insurance info, and his ID. Make sure to keep all these documents organized. If you have any witnesses or dashcam footage, gather that as well.
Contact Your Insurance Company: Inform your insurance company about the denial from the other driver’s insurance. Provide them with the evidence you have. They may be able to assist you in resolving the dispute or pursuing the claim on your behalf.
Follow Up with State Farm: Stay in contact with the claims adjuster at State Farm. Provide them with all your evidence and express your concerns regarding the denial of liability, especially given that he provided his insurance info and allowed you to take his ID.
Consider Filing a Police Report: If you haven’t done so already, consider filing a police report if it’s within your state’s time frame for doing so. This can strengthen your case as an official record of the incident.
Seek Legal Advice: If the situation escalates and State Farm doesn’t resolve the issue in your favor, it might be wise to consult with a lawyer who specializes in auto accidents. They can provide guidance tailored to your situation.
Stay Persistent: People sometimes deny liability even when it is clear that they are at fault. Stay persistent in your communications with both insurance companies and continue documenting everything.
Hopefully, you’ll be able to resolve this quickly!