I’m experiencing a frustrating situation with the at-fault driver’s insurance (Alliance United) as they attempt to deny their liability, despite having dash cam footage and clear evidence. How is this even possible?
Currently, my car is in the shop after I filed a claim with my own insurance to expedite the repairs. The pressing issue now is determining who will cover the repair costs and how to get my deductible refunded. It’s astonishing—my insurance informed me that the driver who hit my parked car is claiming they aren’t at fault. To tackle this, my insurance is bringing in a subrogation team to recover the funds. It’s obvious that my car was parked and unoccupied when the truck backed into it, so it’s hard to believe their insurance is insisting, “Nope, not our fault.”
I had a similar incident last year in a gym parking lot. I had parked my car, and as I was walking in, a woman made a wide turn and collided with it. In that case, I lacked video evidence, only having some photos of the damage and one witness—who they ultimately didn’t bother to interview. Surprisingly, her insurance accepted liability almost immediately after a quick investigation, which I didn’t expect given the absence of footage.
I’m just dumbfounded that they would even try to deny responsibility in this situation. Even my insurance company finds this case intriguing and is just as shocked as I am. Has anyone else gone through something similar, or does anyone have insight into why this insurance company is being so difficult?
I’m really sorry to hear about your situation—it sounds incredibly frustrating! Unfortunately, it’s not uncommon for insurance companies to initially deny liability, even when there is clear evidence like dash cam footage. They may do this for a variety of reasons, including trying to protect their bottom line or perhaps believing there might be some technicality or argument that could absolve them of responsibility.
It’s possible they are attempting to argue that there were contributing factors that could shift some blame, or they may be relying on internal guidelines that encourage a denial until they can conduct a more thorough investigation. Insurance companies often have to consider all angles to minimize their payouts, which can lead to situations like yours where they challenge clear evidence.
In your previous incident, it sounds like the presence of a witness and even the damage alone made it easier for that insurance company to accept fault. Each case is handled individually, and sometimes the nuances change dramatically based on the evidence available—or even the adjusters handling the claims.
It’s great that your current insurance is pursuing subrogation, which means they’re taking the initiative to recover your costs. Stay persistent and keep all your documentation handy. It can be a long haul, but hopefully, the evidence you have will lead to a fair resolution. In the meantime, perhaps others who’ve experienced similar situations can share their insights or advice! Good luck, and I hope you get this sorted out quickly.