Excuse me if it's unintelligible. I rushing right now.
I got in car accident in 2017 and Geico initially said I was at-fault for the accident. Long story short, I just had the tires installed two days prior and I had a blowout that exited the sidewall indicating the tire was defective or a hitman didn't finish the job. I worked my way up the chain at Walmart (who sold me the tires) and then I was told to contact Simple Tire. Walmart gives me some manger's personal number; he writes a check and assumes liability ( yes, I have the paperwork). Geico then changes the at-fault to not at-fault once I provide the paperwork. As of today, Geico still has me not at-fault but every time I do a quote online (for any company), these different companies keep telling me I'm at fault or I have to do go through a waiting period before I can get a proper quote. How do I go about getting the at-fault removed? It's always online from some consumer report that apprentice doesn't get updated. This has been on-going for 2 and half years but it's really an issue now since I just moved to Florida and need new insurance soon. Insurance went from around 130 to a quoted 346, only going as low as 250-ish.
submitted by /u/VersaceWingDings
This is Pennsylvania – cross-posted in r/legaladvice as unsure where best to ask.
So my wife has a vehicle that's in her name, however for the past few years her family was insuring the vehicle with her mom, dad, and sister of 17 listed as drivers. Apparently the insurance on the car cancelled back in June and my wife's 17 year old sister was involved in an accident which appears to be at-fault (minor damage of at most 3K and no apparent injuries thankfully).
We're not necessarily worried about her vehicle itself. Our concern is the other vehicle as well as if this would affect my wife for the car unknowingly not having insurance on it. Would my wife be subject to a fine or legal ramifications, and would she be responsible for the damages to the other vehicle? I know in the state of PA insurance follows the vehicle, however since there was no apparent insurance coverage on it, would liability then default to her sister and parents?
Any info would be appreciated. Thank you.
submitted by /u/ThrowawayJew84
So I have Geico, and several months ago my car was hit while it was legally parked in my garage while I was at work. When I discovered it I took pics and called police and got a report. Followed the claims process and Geico processed it as Not At Fault (duh).
Yesterday I was shopping for new car insurance (I moved to a new town and GEICO raised my rate by $50 a month), and kept getting crazy high rates. Finally when getting an online quote from Progressive, it initially gave me a low quote, and then said there was a discrepancy with what I reported and my driver report. It notified me that one of the systems they use Comprehensive Loss Underwriting Exchange (CLUE) was reporting my accident as At Fault.
I called GEICO and they said for Hit and Runs where they have to pay out and no one pays them back (ie, the hit and run person isn’t found), they get filed as Not At Fault, but when other companies look the accident up it doesn’t say the fault and they assume it was At Fault for the driver. They said they can provide me with a ‘Letter of Experience’ that explains I wasn’t at fault that I can provide to the insurance companies when looking for quotes.
Wtf is this? Is it BS? I still haven’t received anything in my email yet. It seems like such a convoluted process. Why can’t they just list the accident as Not At Fault for me? Can anyone help?
submitted by /u/Prophet_Of_Helix
I was recently in a 3 car accident. The 3rd car rear ended 2nd car, and 2nd car rear ended me. The insurance of 3rd car is taking 100% responsibility of the accident. With that said I have some questions. I was not injured in the accident, by my wife is, and is currently starting to get treatment. I don't want to hire an attorney if possible.
- NF-2 forms were filled out and sent to my insurance and the 3rd car insurance.
- NF-3 who do I send this to? Do I get the doctor to fill it out and send it to me, then to the insurance of 3rd car?
- Anything else I must do? This is my first ever accident.
Thank you for your advice.
submitted by /u/niteboost
So this is obviously a question about dealing with car insurance. Last week, I traveling down a straight, 40mph road on my way to work. Someone in the other lane started turning (their left; so across my lane) in front of me towards a parking lot (so not an intersection). I took my foot off the gas and covered the brakes for maybe a fraction of a second before I realized they were slowing down, when I hit both the brakes and the horn. Their brake lights are clearly visible in the dash cam footage as the came to a stop in the road, where the front of my car collided with the back of theirs. (Side note: Get a dash cam. This asshole lied to their insurance and never submitted a police report. Imagine their surprise with I give their insurance not only the police report, but also my dash cam footage and a still of their face.)
Anyway, NONE of that is being contested. The problem is that their insurance says I didn't hit the brakes soon enough. This person started turning a maximum of 70 feet from me and I hit the brakes as soon as I saw they were slowing down. I don't mean to turn this into a physics lesson, but a 40mph, you have around 44ft of "reaction distance" (how far you travel before your brain goes "oh shit") and ~80ft of actual stopping distance. I feel like I was within that reaction distance.
Is it possible for me to argue them down? Even if it was only to 5% my fault, I can work with that. Right now I'm looking at $400 out of pocket.
submitted by /u/withoutacar
In Sacramento CA area: I bumped the truck in front of me at the traffic light, and got all the damage. The other driver was okay, we kept a copy of each other's driver's license, shook hands, and left. My insurance can cover part of my damage, maybe through my collision or comprehensive coverage. But now I'm wondering how much detail I should reveal about the incident and the other driver, so that a) I don't get myself in trouble, and b) I don't get the other driver in trouble.
submitted by /u/TodosLosNachos
I am in Florida. In December, I was involved in a car accident. My friend was driving when we took a left turn and an oncoming car hit the passenger side door directly. I was in that seat. The injuries were minimal but I still had to go to the emergency room for x rays, pain meds, bandages… and we all know how expensive that can get! Lol. It's been months and I recently received a bill from the hospital saying that after insurance adjustments, I still owe money. I called BOTH drivers' insurance companies before calling mine. My friend's insurance company said to call the other driver's. The other driver's said that there was a dispute between both companies and that I should contact my insurance. My claims adjuster told me that what I was told didn't really make sense, because Florida is a no-fault state, and someone should be paying the other 20% of my bill! He called the other companies and got back with me, saying that he was shocked with the situation. The dispute ended with the arbitrator deciding that NEITHER driver was at fault, so now I am stuck with outstanding medical bills and no company coming forward to cover it. I feel that it is extremely unfair as an innocent party in the matter to have to cover my own bills at this point, but I do not know much about insurance to know whether this is a normal thing. My claims adjuster did not like it at all and said that I might want to look into demand letters. He said it seems fair that both would pay 50%, if they cannot decide who is at fault.
Can I get opinions from others?
submitted by /u/faewyn01
My wife was in an accident where the driver of the other car who was in turn lane decided to go straight and hit my wife's car. Accident happened in Texas, while the car was registered in California. They exchanged the insurance info and my wife opened a claim with the other driver's insurance company. However, after two weeks the insurance company informs us that the other driver has cancelled their insurance and is not responding to the calls. The asked us to contact them directly and they won't be able to recover anything.
Does anyone know what to do in this situation
submitted by /u/computergenome
Got into a car accident in NJ. At fault car made an illegal left turn while I was traveling through an intersection. I had a dash cam that recorded it. Showed the cop the vide Officer said I’m 100% in the clear and they are citing the other driver for the illegal turn. The other driver complained of neck injury and was taken via ambulance.
I didn’t get their insurance information (cop were on the scene quick and handled it all. I asked the cop for it and he said not to worry about it; it will be in the police report and to pick it up in a couple of days.
.The car airbag light is on and the seat belt doesn’t retract so I can’t drive the car.
Meaning I plan to get a rental car. I contacted my insurance Progressive and they said I would typically work with the other guys insurance to handle the claim…else it will show up as a claim in my permanent record…I asked if I’m not at fault do I pay more in premiums ? He said typically if they are not able to recoup the money back I may get hit with higher premiums….but it’s a maybe…and that it’s difficult to say until the algorithm calculates the premium.
I have 2 options.
1 work my claim through my insurance pay the deductible and have them repair the car at the dealership. Then wait for reimbursement.
2 pay for the rental car upfront until I get access to the police report then contact the at-fault insurance for reimbursement and work the claim adjustment through them…this process takes longer, more out of pocket and I would have to negotiate with someone who doesn’t have an incentive to keep my business.
Here is now where the question lies:
I am leaning to do #1 but Do I get penalized in the future for filing a claim and it not being my fault? Everyone I talked to say not to file a claim against your own insurance.
BTW I plan on asking for Diminished Value and when I asked about that to my progressive rep; she played coy and didn’t know what it was or how it worked…so I’m assuming I file a claim against the at-fault insurance for that right?
I should add. My car was purchased new it’s 1 and 7 month old with 30,000 miles.
submitted by /u/sierra120