Dispute Over Liability in Minor Car Accident: What to Do When Insurance Comes Back Differently
Handling insurance claims after a minor collision can be a complex process, especially when responsibilities aren’t agreed upon. Recently, I experienced an incident that highlights this challenge.
While driving slowly through a gas station parking lot, I was rear-ended on the passenger side by another vehicle backing out of a parking spot. The impact was minor, estimated at around five miles per hour. Fortunately, I captured surveillance footage from the gas station, clearly demonstrating that I was not at fault.
Despite this evidence, my insurance provider—State Farm—assigned 65% responsibility to me, making me feel unjustly penalized. I’ve attempted to escalate the matter by speaking with a supervisor, but to no avail. My question is: what options are available to contest this liability determination?
It’s important to note that I have comprehensive coverage, including collision insurance, and the other driver’s insurance is State Farm as well.
If you find yourself in a similar situation, consider the following steps:
– Gather all evidence meticulously, including video footage and photographs.
– File a formal dispute with your insurer, providing supporting documentation.
– Consult with a trusted insurance claims advocate or legal professional if necessary.
– Understand your rights and review your policy details to ensure proper handling.
Navigating insurance disputes can be frustrating, but with thorough documentation and persistence, you can work toward a fair resolution.
