Earlier this year, my partner and I were involved in a t-bone collision at a 4-way stop. We were progress thru the intersection on our turn when a car begins approaching us from the other street via the passenger side. They hit the rear wheel on the passenger side and caused us to spin out and the air-bags to deploy on the passenger side of the car. I remained seated in the passenger seat and my partner exits the vehicle to assess the situation, where the other driver approaches, apologizes, and admits to running their stop-sign. Both drivers then carefully moved their cars to the side of the road near the intersection. The other driver shared their contact information, an expired insurance policy (claiming they'll send their updated one later), and then offered to have my partner's car fixed at their parent's shop. Afterwards and before we can stop them and get police on the scene, they drove off. Instead of calling police to file a report, we contacted nearby friends to drive us to the ER. One of our friends carefully relocated the damaged vehicle to my partner's apartment (which was right down the street) and informed us that all the sensors were going off once they turned on the car. After the ER visit, we went home and filed a police report online the next morning.
Fast forward, we'd got into contact with a personal injury lawyer for ourselves, started treatment. My partner is unable to move forward with enacting their gap insurance on their car because the other driver claimed with their insurance that we had ran our stop sign. Now we are waiting on the police report they filed before we can move forward with getting the car properly evaluated by an adjuster to determine if it is totaled. There is a $1500 deductible that they can pay to expedite the process, but at the current moment, we are unable to acquire that amount of money and waiting on the other party's insurance to pay for it is proving to be mentally and emotionally taxing due to my partner having lost their only means of transportation for work.
Edit: I'm looking for advice on how this might just end up playing out or if there is anyway we can expedite this that doesn't require us to shell out $1500 and then wait for their insurance to pay us back…
TLDR: Other driver claimed we ran our stop sign and is causing a delay in getting the entire situation handled.
At-fault driver files a conflicting claim
byu/jutinaja inInsurance
Posted by jutinaja
1 Comment
That will be a hard claim since they hit you? Clearly you were in the intersection first and it was a 4 way stop.
But I’m NAL. How it will go now is that the two insurance companies will go to arbitration. If you can’t find a way to cover the deductible thats gonna take a while 🙁