Navigating Insurance Disputes: How to Handle a Car Accident Where You’re Partially at Fault
Accidents happen unexpectedly, and dealing with insurance claims can often be a complicated process. Recently, I found myself in a situation where I was involved in a minor collision at a gas station, and the aftermath has raised some concerns about liability and how insurance companies assess responsibility.
The Incident in a Nutshell
While driving through a gas station parking lot at a slow speed of roughly five miles per hour, another vehicle reversed out of a parking space and struck the passenger side of my car. Fortunately, I was able to secure surveillance footage from the gas station, clearly indicating that I was not at fault for the collision.
The Insurance Contention
Despite the clear visual evidence, my insurance company—State Farm—has assigned 65% responsibility to me, implying that I am 35% at fault for the incident. I’ve taken the step of speaking with a supervisor in an attempt to resolve the issue, but as of now, there has been no resolution.
What Are My Options?
Given that I hold full coverage including collision insurance, and the other driver’s insurance is with State Farm, I am exploring what avenues I have to contest this liability assessment. It raises questions about how responsibility is determined in such cases and the best practices for disputing an unfair claim.
Final Thoughts
Dealing with insurance disputes can be frustrating, especially when you have clear evidence supporting your innocence. If you find yourself in a similar situation, consider gathering thorough documentation, including surveillance footage and witness statements, and consult with your insurance agent or a legal advisor to understand your options for challenging the liability decision.
Have you experienced a similar dispute with your insurance company? Share your insights and tips below!
