I acquired the police report, which includes footage from the traffic light showing that the other party is at fault. Unfortunately, my insurance has declined to assist me further in the matter. The other driver ran a red light, and I collided with them in the intersection. However, when I informed my insurer about their liability, they told me there’s nothing more they can do. This feels unjust, as I believe they should advocate on my behalf. I’m also concerned that the police report may not provide sufficient evidence to prove the other driver’s fault, even with the 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’s frustrating to hear that your insurance isn’t taking a more active role, especially given that you have a police report and traffic footage documenting the other party’s fault. Generally, if the other driver ran a red light and there’s solid evidence to support this, you should have a strong case.
Here are a few steps you can consider taking:
Request Detailed Information: Contact your insurance company and ask for a detailed explanation of why they won’t assist you further. Sometimes, there are internal policies at play that could be clarified.
Follow Up with the Police Department: Make sure to request a copy of the traffic footage if you don’t have it in your possession. This can serve as compelling evidence to bolster your claim.
Consider Legal Assistance: If your insurance is not cooperating and you feel you have a strong case, it might be worthwhile to consult with a personal injury attorney. They can guide you through the process and potentially help you recover damages from the other driver’s insurance.
Communicate with the Other Driver’s Insurance: If you have the other party’s insurance details, consider contacting them directly to file a claim. Since you have evidence of their fault, they may be more receptive.
Document Everything: Keep thorough documentation of all communications with your insurance, the police report, any medical bills, and other related expenses. This will be helpful whether you pursue a claim through insurance or decide to take legal action.
Don’t lose hope—many people navigate similar situations successfully with the right approach and persistence.