Resolving Disputes Over Insurance Liability After a Parking Lot Accident
Encountering an accident in a parking lot can be frustrating, especially when insurance companies assign conflicting fault percentages. Recently, I experienced such an incident where my vehicle was hit while traversing a gas station parking lot. Despite clear footage showing that I was not at fault, my insurer, State Farm, has assigned only 65% responsibility to the other party, meaning I am listed as 35% at fault.
Here’s a brief overview of what occurred: I was driving slowly—about five miles per hour—through a gas station lot when another vehicle reversed out of their parking spot and struck my passenger side door. The incident was minor, and I was able to obtain video evidence from the gas station that clearly indicates I was not to blame.
Despite presenting this footage and speaking with a supervisor at State Farm, their determination remains unchanged. This has left me wondering: What steps can I take to dispute this liability assessment and ensure fair treatment?
Please note, I carry comprehensive coverage along with collision insurance, and State Farm is handling the claim on behalf of the other driver involved.
If you’re facing a similar challenge or have insights on how to navigate insurance dispute processes, I would appreciate your advice. Understanding how to effectively contest fault allocations can make a significant difference in managing repair costs and insurance premiums.
Stay tuned for updates as I explore possible options to resolve this dispute.
