Title: Navigating Insurance Disputes: After a Minor Car Accident, Who Is at Fault?
In the aftermath of a recent minor collision, I find myself facing a challenging situation with my insurance provider. 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 accidentally struck the passenger side of my car. Fortunately, I was able to obtain footage from the gas station surveillance that clearly demonstrates I was not at fault.
Despite this evidence, my insurance company—State Farm—is assigning 65% liability to me, placing 35% responsibility on the other driver. I’ve already spoken with a supervisor but haven’t found a resolution yet.
For context, I carry comprehensive coverage including collision insurance, and the other driver’s insurance is through State Farm.
This experience raises important questions about how to handle liability disagreements after minor accidents. What steps can I take to challenge or clarify the responsibility determination? If you’ve faced similar situations, I’d appreciate any advice or insights on how to proceed when insurance companies don’t see eye to eye, even with clear evidence.
