I was going straight through the intersection having the light while the other person turning left from the opposite lane. They hit me on the left corner side (driver side) of the car. Both said we had the light to the police. The police report said there is no camera to determine who was at fault.
I filed a claim with my insurance. My car was totaled loss. My insurance reached out to that person after talking to me and they didn’t respond. Similarly, the other party’s insurer reached out to me and I asked them to direct all questions and communication to my insurer. My insurance concluded the case in my favor and the other insurance also concluded the case based on the other party’s statement – denying the claim and refusing to pay for my damage.
I assume now it’s about the two insurers working with each other (they may even go to court). If each insurance ended up paying for the claimants’ damage, do I need to worry about any consequences in the future (insurance increasing premium, record, etc.) Should I hire a car accident lawyer now? How long would all the court or processes may take if I did this?
Thank you!
Other party does not admit fault
byu/Fuzzy-Fortune2607 inInsurance
Posted by Fuzzy-Fortune2607
2 Comments
No one is going to court. Your insurance will subrogate the loss to their insurance and they will pay out for the damage. You will have a “not-at-fault” on your record, which shouldn’t raise your premiums.
No need to hire a lawyer. This is what your insurance is doing in the background. Just let it play out. There may be consequences like higher premiums. That can be true even in cases when you are 100% not at fault. It’s impossible for anyone to say. It’s just part of life. Get a dashcam next time. It’s why they exist