Determining Fault in Car Accidents: Navigating Insurance Disputes
Recently, I encountered a situation where my vehicle was involved in a minor collision, and the insurance assessment hasn’t gone as expected. I’d like to share some insights and seek advice on handling similar circumstances.
The incident occurred while I was navigating a parking lot at a gas station. As I was driving at a very slow pace—around five miles per hour—a vehicle backing out of a parking space suddenly struck my passenger side door. Fortunately, I was able to obtain security footage from the gas station that clearly indicates I was not at fault in the incident.
However, despite this evidence, my insurance provider, State Farm, has assigned 65% responsibility to the other driver, effectively attributing 35% fault to me. I’ve attempted to escalate the matter by speaking with a supervisor, but nothing has changed so far.
For context, I hold full coverage insurance, including collision coverage, and State Farm is the insurance provider for the other motorist involved.
What steps can I take when faced with an insurance assessment that seems unfair and does not align with available evidence? Understanding how to navigate fault disputes is vital for any driver dealing with similar challenges.
If you’ve experienced a dispute over vehicle fault or have insights into handling insurance disagreements effectively, I’d appreciate your advice in the comments.
