By June 27, 2007 1 Comments Read More →

How to contest at fault car insurance accusations

Reader question:

I got in a car accident and my insurance company says it was my fault, and it wasn’t. What do I do?

Luke

Wow, tough situation, Luke.

It’s extremely frustrated to be falsely accused of a wrongdoing that you did not commit, especially when this accusation could leave you with all kinds of bills that could put your life in turmoil for a significant amount of time. Thinking you were safe, and then finding yourself inundated with medical and repair bills because of something that was someone else’s fault is a very stressful information, and something that needs to be fixed. So how do you fix it?

The best thing to do is to hire an attorney who specializes in auto insurance claims and contest the findings that you were the at-fault driver. You will need to gather all the documentation of the expenses and injuries you have suffered as a result of the accident, as well as all the documentation that backs up your side of he story. If the police report said you were not at fault, then you have that. If it said that you were, then there are other ways that you can get around it. Did the insurance company follow the proper steps when investigating the accident and handling the claim? The law puts certain requirements on insurance companies and they must follow certain procedures to stay within the law.

A car insurance lawyer can help you with all of this. They know the system and thus know the best way to prove that you were not at fault in your accident, and if there is no way to prove so, they know what the loopholes in the law are that will allow you to still receive your settlement regardless of the judgment.

Cheers,

Fashun Guadarrama.

Posted in: Auto Insurance

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  • Sarah

    Most of the time a claims adjuster’s findings will agree with the accident report but occasionally when it does not and they assign blame differently than the police.