Title: Navigating Disputes Over Liability in Minor Car Accidents
When involved in a minor collision, the details of responsibility can sometimes become complex, even in straightforward situations. Recently, I experienced a scenario where my car was sideswiped in a parking lot, and the insurance company representing the other driver assigned me a significant portion of the blame—specifically, 35%.
Here’s what happened: while driving through a gas station parking area at a slow speed (approximately 5 mph), another vehicle backed out unexpectedly and struck the passenger side of my car. Fortunately, I was able to obtain surveillance footage from the gas station, clearly showing that I was not at fault. Despite this evidence, my insurer—State Farm—has assigned only 65% responsibility to the other driver.
I have tried escalating the matter by speaking with supervisors within the insurance company, but haven’t seen any change in their assessment. Given that I have full coverage, including collision insurance, I am now questioning what options are available to challenge this determination of liability.
If you find yourself in a similar situation, it’s important to gather comprehensive evidence, remain persistent in your communication with insurers, and consider consulting a legal expert if necessary. Disputes over fault can sometimes be resolved through formal appeals or independent investigations, so staying informed and proactive is key.
Update: For context, I am fully covered under my own insurance policy, and State Farm is the liability insurer for the other driver involved in the accident.
Navigating insurance claims can be challenging, but understanding your rights and options can help ensure you receive a fair assessment.
