Accident Fault Inquiry
I was involved in a car accident about a month ago, where I had the green light and was proceeding straight when another vehicle suddenly collided with me from the right, resulting in my car being totaled. I had witnesses who confirmed that my light was green and that the other driver ran the red light, but unfortunately, they left before the police arrived, and I couldn’t collect their contact information.
Recently, I received a notice in the mail from the other driver’s insurance company claiming that their driver was in control of the vehicle and that I am at fault. There are no cameras to support my account, and the police report does not assign fault either.
Is there anything I can do about this situation? It doesn’t seem fair. Also, since I’m a company driver, how will this impact my insurance and the company’s insurance? Thanks for your help!
I’m sorry to hear about your situation; that sounds really frustrating. It’s important to know that you still have options. Here are a few steps you can consider taking:
Contact Your Insurance Company: Report the incident to your insurance provider immediately. They can help you navigate the situation and may be able to defend you if you’re not at fault.
Gather Evidence: Although the witnesses left, if you can remember anything about them (like their vehicle descriptions or any other details), you can try to find them. Reaching out to local businesses or residents near the accident site might help locate them. Also, take photos of the accident scene and any damages.
Review the Police Report: If the report doesn’t state fault, it doesn’t automatically imply that you are at fault. Sometimes, insurance companies may dispute the findings as well.
Appeal the Insurance Decision: If the other party’s insurance claims you are at fault, you can formally dispute this decision. Provide them with any evidence you have, including accounts from witnesses, diagrams of the accident scene, or anything else that supports your claim.
Seek Legal Advice: Consulting with an attorney, especially one who specializes in auto accidents, can provide guidance on your options and help you navigate any legal matters related to the accident.
Company Insurance Implications: Since you’re a company driver, this may affect your employer’s insurance as well. Inform your employer about the accident so they can take the necessary steps on their end to protect their interests too.
It’s definitely a challenging situation, but keeping organized records and taking the right steps can help you move forward. Good luck!