Title: Navigating Car Accident Claims: When Your Insurance Assigns Partial Responsibility
When you’re involved in a minor collision, the last thing you expect is to face complications with insurance claims. Here’s a real-world scenario that highlights some of the challenges drivers may encounter, even when clearly not at fault.
Imagine this: You’re driving slowly through a gas station parking lot—around 5 miles per hour—when another vehicle reverses out of a parking space and accidentally strikes the passenger side door of your car. Fortunately, you manage to record the incident, and the footage clearly indicates that you are not at fault.
However, despite the evidence, your insurance company, State Farm, has assigned a 35% responsibility to you, leaving you with a 65% liability. Efforts to resolve this by speaking with supervisors have not yet yielded a resolution.
In situations like this, it’s critical to understand your rights and options. You have full coverage, including collision insurance, and the other driver’s insurance is with State Farm. Here are some actionable steps you might consider:
-
Gather and Document Evidence: Collect all relevant data, including dashcam footage, photographs, and witness statements if available. Clear evidence can strengthen your case.
-
File a Formal Dispute: Request a written explanation from your insurer detailing why they assigned responsibility. Submit your evidence to support your claim.
-
Consult a Professional: Consider seeking legal advice or consulting a claims adjuster who specializes in vehicle accident disputes. They can provide tailored guidance based on your circumstances.
-
Contact State Insurance Consumer Assistance: If your efforts with the company are unsuccessful, reaching out to your state’s insurance department for guidance can be beneficial.
Remember, insurance disputes can be complex, but proactive and informed actions often lead to fairer resolutions. Keep detailed records and don’t hesitate to seek professional advice to ensure your rights are protected.
Disclaimer: This blog is for informational purposes only and should not replace professional legal or insurance advice.
