Anonymous wrote:OP- the 2 insurance companies will enter into arbitration (if you're carrier wants to fight the denial), they each pick 1 and the third is at random. 2/3 determines who pays. That's it. So if the case is as clean as you say, likely arbitration will go your way.

This is in the DMV area BTW.

OP- the 2 insurance companies will enter into arbitration (if you're carrier wants to fight the denial), they each pick 1 and the third is at random. 2/3 determines who pays. That's it. So if the case is as clean as you say, likely arbitration will go your way.

Anonymous wrote:

Anonymous wrote:PSA Never drive on a highway on the right side of an 18 wheeler tractor trailer truck.

Are you kidding? If you are going to get into an accident without serious injury, a commercial vehicle with a driver who would make a terrible witness is the best you can hope for.

Except you wouldn’t be alive to tell the story!
I’m sorry OP. Been there and it sucks. Unfortunately insurance is awful and depending on who you get you may have to pay deductible.

Anonymous wrote:PSA Never drive on a highway on the right side of an 18 wheeler tractor trailer truck.

Are you kidding? If you are going to get into an accident without serious injury, a commercial vehicle with a driver who would make a terrible witness is the best you can hope for.

PSA Never drive on a highway on the right side of an 18 wheeler tractor trailer truck.

Anonymous wrote:

Anonymous wrote:Were you passing on the right? Can't imagine there's any other reason you might be at least partially at fault here.

No. I was driving in the right lane and he just started coming over into my lane. I was not attempting to switch lanes.

This precise thing happened to me years ago when I had a brand new audi. Had not even made first month's car payment on it when a woman in a huge mercedes SUV apparently decided she needed to exit two lanes over IMMEDIATELY and thought the quickest way there was directly through my car. Based on the damage, I immediately realized that she could just as easily have said I came into her lane - the damage to both cars was along the sides. Luckily she told the truth. But while I waited for her to get in touch with her insurance company for an entire week, the stress of it caused me to immediately order a dash cam. I now have had dash cams in all my and my wife's cars ever since. It's really not hard to install, you can do it yourself in about an hour tops

Anonymous wrote:If your car is fairly new, inquire about a diminished value claim as well.

Good luck with that since driver is not admitting fault. BTW I had same exact accident other driver claimed I was at fault as I would not let him merge.

He apologized at scene but changed his mind as was not his car and sure the owner was not taking fault.

My car still is a bit mangled three months later.

If your car is fairly new, inquire about a diminished value claim as well.

Anonymous wrote:Sadly, I have learned that the police in the DC area will not write up a report unless one of the drivers is injured, and without a report, it is your word against the other driver's. My own insurance tells me to never admit fault or risk denial of coverage even in cases of clear fault, like re-ending another car, so I am sure that other insurance companies have similar policies. So now, if I am involved in an accident, I will tell the police that I have neck/back pain and force them to write a report.

Have you seen police reports? They often don’t determine fault. All you get is each persons story.

Anonymous wrote:

Anonymous wrote:Same thing happened to me. Their insurance said did you brake, did you honk horn, why did you not move out of way? Became a he said she said we both at fault and each paid out own deductible

I’d be furious if I was driving along safely, someone sideswiped me, and then I was asked why I didn’t get out of the way.

OP, what is the other driver’s story? Is he claiming you were changing lanes? Speeding up to prevent him from merging?

It’s actually a legitimate legal defense. If you can get out of the way, you should. Being “right” can cost you a lot of time and money.

Anonymous wrote:Same thing happened to me. Their insurance said did you brake, did you honk horn, why did you not move out of way? Became a he said she said we both at fault and each paid out own deductible

I’d be furious if I was driving along safely, someone sideswiped me, and then I was asked why I didn’t get out of the way.

OP, what is the other driver’s story? Is he claiming you were changing lanes? Speeding up to prevent him from merging?

Anonymous wrote:Well, at least both of you don't have the same insurance company.

My friend had an accident similar to yours, and their insurance, a popular company, said they couldn't figure out who's at fault.

Both of them had to pay their deductibles to get it fixed.

Sue the other insured, and then demand indemnity if they counter sue. Make them fund both sides

Sadly, I have learned that the police in the DC area will not write up a report unless one of the drivers is injured, and without a report, it is your word against the other driver's. My own insurance tells me to never admit fault or risk denial of coverage even in cases of clear fault, like re-ending another car, so I am sure that other insurance companies have similar policies. So now, if I am involved in an accident, I will tell the police that I have neck/back pain and force them to write a report.

Anonymous wrote:I was in the right lane on the highway last week when a car (company car) entered my lane. Fortunately no one was injured and my car is damaged. I filed a claim as he was 100% at fault, but they have filed a claim against me. I’m blown away. There was no police report as the officer said we just needed to exchange information. What happens now? Am I completely screwed and going to end up paying my deductible? It could have been so much worse and I’m thankful I’m not injured, but I’m livid that this person is lying.

They always lie - even if they admit fault.
I was hit from the side. I was going straight and the person turned into the back of my car.

Then they created a story. My insurance fought it and won. They see this stuff every day.

Go get a dash cam for next time.

Same thing happened to me. Their insurance said did you brake, did you honk horn, why did you not move out of way? Became a he said she said we both at fault and each paid out own deductible