Determining Liability in Minor Accident: Navigating Insurance Disputes
Recently, I encountered a situation where my vehicle was involved in a minor collision, and the insurance assessment has become a source of concern. While driving through a gas station parking lot at a slow pace—approximately five miles per hour—a vehicle backing out of a parking space unexpectedly struck the passenger side of my car. Fortunately, I was able to retrieve security footage from the gas station, clearly demonstrating that I was not at fault in this incident.
Despite having concrete evidence supporting my case, my insurance provider, State Farm, has assigned only 65% liability to the other driver, leaving me responsible for 35%. I have escalated this issue by speaking with a supervisor, but so far, my efforts have not resulted in a resolution.
It’s worth noting that I carry full coverage and collision insurance, and the other driver’s insurance is also through State Farm. Given this context, I am seeking advice on how best to challenge or clarify this liability determination.
For anyone facing similar situations, understanding your rights and exploring all available options—such as requesting a formal arbitration or consulting a legal professional—can be crucial in resolving insurance disputes fairly. If you’ve navigated a comparable experience, I welcome your insights and suggestions.
