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I have found myself in a bit of an insurance quarrel
Posted on 10/26/22 at 8:22 pm
Posted on 10/26/22 at 8:22 pm
A couple weeks ago, I was in a parking lot and a young girl backed out and hit me. She just was not looking. Simple accident.
She got out of the car screaming that I did not honk my horn (true) and it’s my fault. She refused to give me her insurance information and started taking pictures of everything.
I called for a police report. The policeman came and it was pretty clear what happened. He took the report and I was on my way.
Today I received a call from her insurance company. She stated that I hit her, was an uninsured driver ( not true) and they intended to pursue me paying for the damage to her vehicle.
They allowed me to tell my side of the story and said they would investigate. They were shocked that the damage to my vehicle was at the back (that blows a hole in the I hit her story) and they were unaware of a police report. She’s also claiming an injury.
Here is the police report diagram of the accident. Do I have anything to worry about? My agent says young people just will not take responsibility but I think she may have targeted me.
She got out of the car screaming that I did not honk my horn (true) and it’s my fault. She refused to give me her insurance information and started taking pictures of everything.
I called for a police report. The policeman came and it was pretty clear what happened. He took the report and I was on my way.
Today I received a call from her insurance company. She stated that I hit her, was an uninsured driver ( not true) and they intended to pursue me paying for the damage to her vehicle.
They allowed me to tell my side of the story and said they would investigate. They were shocked that the damage to my vehicle was at the back (that blows a hole in the I hit her story) and they were unaware of a police report. She’s also claiming an injury.
Here is the police report diagram of the accident. Do I have anything to worry about? My agent says young people just will not take responsibility but I think she may have targeted me.
This post was edited on 10/26/22 at 8:25 pm
13
Posted on 10/26/22 at 8:27 pm to anc
They won’t pursue you. They will pay for your repairs though if you make a claim under her policy. If they give you any shite, I’d report the incident to your state’s insurance fraud agency.
Posted on 10/26/22 at 8:27 pm to anc
You should be fine. Your insurance company will handle it.
How exactly did she target you?
How exactly did she target you?
Posted on 10/26/22 at 8:28 pm to Jon Ham
Good. The person calling was very aggressive UNTIL I said the damage was to my bumper and back quarter panel. The police report shows this.
Posted on 10/26/22 at 8:30 pm to iAmBatman
The whole thing was a simple accident. We should have exchanged insurance info and moved on. She went crazy and refused to give me her info. I thought very little of it until I got an aggressive phone call today.
I just pondered her targeting me because she flat lied to her insurance company about the incident, my insured status and her injury.
I just pondered her targeting me because she flat lied to her insurance company about the incident, my insured status and her injury.
Posted on 10/26/22 at 8:30 pm to anc
Na baw, you good. The doctor give you some good muscle relaxers for that stiff neck just in case it needs to flare up later?
Posted on 10/26/22 at 8:33 pm to anc
People do this all the time. Come up with BS stories on how an accident occurred to try and make it seem like they aren’t at fault. Probably trying to get an injury claim out of it and will likely have an attorney.
Damages , point of impact, things like that don’t lie. If that diagram is accurate you should be good
Edit : I doubt you were targeted. Probably just not paying attention and backed into you
Another edit. Possibly lied about you not being insured because she was trying to get a UM claim out of it and doesn’t realize her insurance company will actually verify stuff like that.
Damages , point of impact, things like that don’t lie. If that diagram is accurate you should be good
Edit : I doubt you were targeted. Probably just not paying attention and backed into you
Another edit. Possibly lied about you not being insured because she was trying to get a UM claim out of it and doesn’t realize her insurance company will actually verify stuff like that.
This post was edited on 10/26/22 at 8:38 pm
Posted on 10/26/22 at 8:34 pm to anc
quote:
I just pondered her targeting me because she flat lied to her insurance company about the incident, my insured status and her injury.
I wouldn’t call that targeting, more like she’s just irresponsible or afraid of the consequences
Posted on 10/26/22 at 8:42 pm to anc
Sorry baw but it’s a weird thing to claim that you were targeted
Posted on 10/26/22 at 8:50 pm to anc
Make a claim against her insurance. Obvious she’s at fault and the police report backs you up
Posted on 10/26/22 at 8:53 pm to anc
I’ve seen a very similar situation pay out $105,000. But, you’ll likely be fine. I’m sure she called one of the billboard lawyers and they are leading the charge. They’ll drop her once they see your story and proof. Document all correspondence though.
Posted on 10/26/22 at 10:26 pm to anc
Like others said, you should be okay because you have police report, but don’t be surprised if her company still finds you 20% responsible because you did not honk your horn. It sucks but they could do this.
Posted on 10/26/22 at 10:54 pm to anc
I'm surprised you were able to get a police report for an accident on private property....
Posted on 10/26/22 at 10:59 pm to anc
Have you talked to your insurance company?
Also the first call I would make tomorrow is to the corporate office of her insurer and I would raise bell over the obviously untrained idiot that called you. My second call would be to the state department of insurance to file a complaint.
How TF someone going to call you and say they are going to go after you when they haven’t even verified the existence of a police report?
Also the first call I would make tomorrow is to the corporate office of her insurer and I would raise bell over the obviously untrained idiot that called you. My second call would be to the state department of insurance to file a complaint.
How TF someone going to call you and say they are going to go after you when they haven’t even verified the existence of a police report?
Posted on 10/27/22 at 7:21 am to anc
I already know what this young lady looks like based on this story
Posted on 10/27/22 at 7:24 am to anc
Buddy of mine got in a bad wreck this week that totaled his truck, enclosed work trailer and 12k worth of construction tools. Other driver was uninsured and the cops just let him go without any punishment and completely botched the report. He is having to sue to the police dept now
Posted on 10/27/22 at 7:25 am to iAmBatman
quote:
Sorry baw but it’s a weird thing to claim that you were targeted
Depends where he lives. There is a particular demographic where I live that targets people so they can get bogus injury claims. They love to target company vehicles, it’s why we removed our company logo off our trucks
Posted on 10/27/22 at 7:26 am to deltaland
Everyone needs dash cams to put an end to this type of Shite.
Posted on 10/27/22 at 7:44 am to deltaland
quote:
He is having to sue to the police dept now
Your buddy is about to find out the definition of qualified immunity.
#backtheblue
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