Understanding Liability in Minor Traffic Incidents: A Case Study
Navigating insurance claims after a minor car accident can sometimes be confusing and frustrating, especially when responsibility is in dispute. Consider the following scenario:
While driving slowly through a gas station parking lot, a vehicle backing out of a parking space accidentally collided with the passenger side of my car. The impact occurred at a low speed—roughly 5 miles per hour—and I was driving cautiously. Fortunately, I was able to obtain security footage from the gas station, which clearly indicates that I was not at fault in this incident.
Despite the clear video evidence, my insurance provider, State Farm, has assigned 65% liability to me, implying that I am 35% responsible. I have attempted to escalate the matter by speaking with supervisors, but so far, my efforts have not resulted in any resolution.
For those facing similar situations, it’s important to understand your options. Having full coverage and collision insurance provides some protection, but disputes over liability can still complicate the claims process. If you find yourself in a similar position, consider the following steps:
- Gather and organize all evidence, including dashcam or security footage.
- Review your policy details and understand your coverage limits.
- Contact your insurance adjuster or supervisor with your evidence.
- If disagreements persist, consider seeking a third-party arbitration or consulting a legal professional.
Remember, disputes over fault are common in minor accidents, but with strong evidence and persistence, you can work towards a fair resolution. Staying proactive and informed is key to protecting your rights and ensuring proper claim handling.
