Road Rage Incident – Facing False Claims
Hello everyone,
I’m seeking some guidance regarding a troubling situation that unfolded last year. While I was driving, I encountered a man who was behaving erratically on the road. When I passed him, it seems I triggered a road rage response. He accelerated and collided with my car as he attempted to block my way. Initially unaware that he was the aggressor, I intended to exit my vehicle to exchange information. However, he came rushing up to my car, began pounding on it, causing damage to the hood, and screaming violently. It was a terrifying experience. After he moved away, I drove a short distance to escape the situation and promptly called the police. They advised me to file a report at the station, which I did, along with notifying my insurance company.
Fast forward several months, I received a shock: he has filed two insurance claims against me, alleging that I rear-ended him and drove over his foot, labeling it a “hit and run.” I’m baffled by this, especially since I have documented evidence of the damage he inflicted on my car and a police report detailing the events. Now my insurance company has informed me that he possesses a video of the incident, which they say serves as “evidence” for his claims. While they reassured me that I’m not at fault, I’m anxious about what that video might show. I remember him recording something after the attack, but I was too shaken to see what he captured. My biggest concern is that it may depict me inadvertently running over his foot, even though I don’t believe that occurred.
Recently, I received a copy of the demand letter his attorneys sent to my insurance provider, which includes a claim for damages that exceeds my coverage. I’ve expressed my suspicions of fraud several times, yet my adjuster has been quite rude and dismissive over the phone, making it challenging to communicate my concerns effectively.
Is there anything I can do to safeguard myself in this situation? Could it be possible that he’ll succeed with this deceptive claim?
Thank you for any advice you can offer.
I’m really sorry to hear about your experience; that sounds incredibly stressful and frightening. It’s understandable that you’re feeling overwhelmed given the circumstances.
Here’s some advice on how to handle this situation:
Keep Detailed Records: Make sure you maintain all documentation related to the incident, including the police report, any photographs of the damage to your car, and any correspondence with your insurance company and the other party.
Get a Copy of the Video: If it’s possible, you should try to obtain a copy of the video mentioned in the demand letter. This could be crucial evidence to establish what really happened during the incident.
Consider Speaking to a Lawyer: Given that you’re facing claims that may exceed your insurance coverage, consulting with an attorney who specializes in traffic incidents or insurance fraud could be beneficial. They can advise you on your rights and possible legal protections.
Communicate with Your Insurance: Try to arrange a meeting or phone call with a supervisor at your insurance company if your adjuster isn’t being helpful. It’s important that they understand the details of your case and the evidence you have supporting your version of events.
Collect Witness Statements: If there were any witnesses to the incident, try to gather statements from them. Their accounts could support your claims and provide additional evidence.
Stay Calm: While it’s understandable to feel a sense of urgency and frustration, staying calm and collected is crucial. Keep all communications professional and clear.
Report Unprofessional Behavior: If your adjuster continues to be rude, consider filing a complaint with your insurance company. It’s important that you’re treated respectfully and your concerns are taken seriously.
By protecting yourself with proper documentation and legal advice, you increase your chances of resolving this situation favorably. I hope you’re able to find a resolution soon!