My daughter was involved in an accident where she accidentally hit another car, and then the other driver intentionally collided with her, believing she was trying to leave the scene. Initially, my insurance company opened two claims for the two separate incidents, but they subsequently closed the second one and ruled that we are fully at fault for all the damages. What steps can we take to contest this decision?
My daughter hit a car then that driver hit her on purpose
I’m sorry to hear about your situation; it sounds really stressful. If you believe your daughter was not at fault, here are some steps you could consider:
Gather Evidence: Collect any evidence that supports your claim. This could include photos of the accident scene, damage to both vehicles, witness statements, and any dashcam footage if available.
Document Everything: Keep a detailed record of all communications with the insurance company, including dates, times, and the names of the representatives you speak with.
Review the Insurance Policy: Understand the specifics of your insurance policy regarding fault and claims. It may provide clarity on the claims process and your rights.
File an Appeal: Contact your insurance company to formally appeal their decision. Present your evidence and explain why you believe they misjudged the situation.
Talk to a Lawyer: If you believe the other driver’s actions were intentional and contributed to the accident, consulting with a personal injury lawyer may be beneficial. They can help you understand your options and possibly assist in pursuing a claim against the other driver.
Consider Mediation: If discussions with your insurance don’t resolve the issue, mediation might be an option to settle disputes outside of court.
File a Complaint: If you feel your insurance company is not treating your case fairly, you can file a complaint with your state’s insurance commissioner.
Remember to stay calm and methodical as you work through this process. Good luck!