Title: How to Handle Disputed Insurance Liability After a Minor Car Accident
Dealing with insurance disputes can be a challenging and frustrating experience, especially when you believe you are not at fault. Recently, I found myself in such a situation after a minor collision at a gas station. Here’s a summary of my experience and some insights that might help others navigating similar issues.
The Incident:
While driving through a gas station’s parking lot at a slow pace—approximately five miles per hour—another vehicle reversed out of a parking space and accidentally struck the passenger side of my car. Thankfully, I was able to review footage from the gas station security cameras, which clearly shows I was not at fault in the incident.
The Dispute:
Despite the clear evidence, my insurance company, State Farm, has assigned 35% responsibility to me, indicating that I am 65% responsible for the collision. I’ve attempted to resolve this through conversations with a supervisor, but haven’t achieved any progress or change in their stance.
What Can Be Done?
If you find yourself in a similar situation, here are some steps to consider:
- Gather Evidence: Collect and document any relevant footage, photographs, and witness statements that support your version of events.
- Review Policy Details: Understand your coverage, especially if you have full coverage and collision insurance, to know your options.
- Communicate Clearly: Reach out to your insurance company and request a detailed explanation of their liability assessment.
- Escalate Accordingly: If initial representatives are unhelpful, escalate the matter within the insurance company or consider filing a formal complaint.
- Seek Legal Advice: In complex disputes, consulting a legal professional experienced in auto insurance claims can provide guidance on your rights and potential next steps.
Final Thoughts:
Insurance liability disputes, even in cases of minor accidents, can be perplexing. Persistently advocating for a fair evaluation and leveraging tangible evidence are crucial. Remember, knowledge of your policy rights and proactive communication can make a significant difference in resolving such conflicts effectively.
Note: I have full coverage including collision insurance, and State Farm was the other driver’s insurer in this situation.
Stay informed and drive safely!
