To demonstrate to an insurance company that the other driver ran a red light, you’ll need to gather concrete evidence. Here are several methods to substantiate your claim:
Witness Statements: Collect statements from any bystanders or other drivers who witnessed the incident. Their accounts can corroborate your version of events.
Traffic Cameras: Check if there are traffic cameras at the intersection where the accident occurred. These cameras might have captured the violation, providing incontrovertible proof.
Dashcam Footage: If you or any other witnesses have dashcams, review the footage for evidence of the other driver running the light.
Police Report: Ensure that an accident report is filed with the police. If the officer’s report supports your version of events, it can be a powerful piece of evidence.
Physical Evidence: Look at the accident scene for skid marks or the position of vehicles that can be consistent with one car trying to avoid a collision. These can provide clues about the circumstances of the crash.
Intersection Records: In some cases, data from traffic light sensors can be requested. This data might show the light sequence at the exact time of the accident, though it may require legal assistance to access.
Expert Analysis: If necessary, consider employing an accident reconstruction expert who can analyze the scene and provide insight into how the accident occurred based on physical evidence.
Accumulate as much evidence as possible and present it to the insurance adjuster. Evidence that clearly demonstrates the other driver’s fault can compel the insurance company to rule in your favor. If they are still unmoved by the evidence, you may need to take legal action or engage an attorney to pursue your claim.
