WWSD: Insurance & court

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CHAPO GUZMAN

CHAPO GUZMAN

Sicc OG
#1
Jan 5, 2006
13,536
3,427
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#1
So the accident I got in last year in December, i was going into the left turn lane and this guy cut me off hit the passenger side and from the impact I went across the center median and an oncoming car swerved to avoid hitting me but still got clipped in the back. I have a scratch on the bumper and a small little bend in my rim on the right side and the drivers side front fender is a little banged up and some scratches but still drivable. Now my insurance told me by mail after investigating its not my fault, since I have liability insurance only and to hit up State Farm (the guy who hit me's insurance) so I called my insurance and they told me to take the guy to small claims court.

Now State Farm sent me a letter saying it's my fault, that their insured driver legally went into the lane while I "went through the center median" to get to the turning lane.... both claims denied from my insurance and his, I havent heard shit from the guy's insurance that I hit after I was hit.. so is small claims the way to go? or am I pretty much fucked and stuck fixing my own car? This dude hit me but it seems like my lazy ass insurance company aint gonna do shit for me and i'm gonna end up having to pay out for both cars..
 
ColdBlooded

ColdBlooded

Sicc OG
#4
Apr 25, 2002
15,044
157
0
#4
Of course the insurance company is going to deny your claim. They hope you will let it slide. That is part of the strategy of claims.

Go to court. You'll do fine.
 
CHAPO GUZMAN

CHAPO GUZMAN

Sicc OG
#6
Jan 5, 2006
13,536
3,427
0
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#6
Thanks sicc goonz... guess ima file out a form and serve this cat.. hopefully i can get by with the 2-3 pictures I took of the accident because I was too busy getting the information from the 2 other drivers at the time and i had my last final of the semester that morning too
 
Rumpelstiltskin

Rumpelstiltskin

Sicc OG
#7
May 6, 2002
7,218
2,906
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#7
The 2 insurance companies will talk to each other and resolve who is to blame, since there is already a dispute between the two.

If your insurance company wins, then State Farm will pay both parties (if he has full coverage).
If State Farm wins, your insurance company will pay the other person only (liability only).

Your insurance company said it wasn't your fault so they have no reason to raise your rates next year. In regards of small claims to fix your car, it won't do anything. The entire case will be decided on what the 2 insurance companies concluded. What are you going to do? Appeal their decision? Good luck...
 
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