Car Accident Stressing Me Out

[103734]

well to update I got the police report.

Besides him saying the accident happened at 9pm when it was at 8pm, and him saying it was daylight, AND getting the speed limits wrong on the streets, the police report said he had no recommendation on who was at fault because there where no witnesses.

My insurance already stated that it was 100% her fault in their opinion, last time allstate talked to me (about a month ago), they said something like it was majority her fault but they believe it was partly my fault also, I told them no it wasn't and that was pretty much the last time I heard from them, then last Friday I got a letter from allstate saying that they are still investigating the claim !!!

I did get my car back on Friday so thats good but im out about $1000 for the rental and the deductible......

How long do you think it will take allstate?

 

[JNB]

Rule 1: NEVER talk to the other insurance company, that's what you're paying yours for.

Rule 2: NEVER say "I'm sorry" to the other driver.

Rule 3: Just get the facts, exchange pertinent info, and leave commentary for another time and other people.

Rule 3: Unless there's injury or the vehicle is immovable, get it the hell out of the roadway. Leaving it in place for "reconstruction" is nonsense and creates additional hazard to everyone else (that many states will hold you liable for).

Rule 4: Sometimes you make a mistake. Own up to it when you do. Even when you're not at fault, don't make stuff up. Either way, refer to Rules 1 and 2 first.

 

[103734]

Rule 1: NEVER talk to the other insurance company, that's what you're paying yours for.

Rule 2: NEVER say "I'm sorry" to the other driver.

Rule 3: Just get the facts, exchange pertinent info, and leave commentary for another time and other people.

Rule 3: Unless there's injury or the vehicle is immovable, get it the hell out of the roadway. Leaving it in place for "reconstruction" is nonsense and creates additional hazard to everyone else (that many states will hold you liable for).

Rule 4: Sometimes you make a mistake. Own up to it when you do. Even when you're not at fault, don't make stuff up. Either way, refer to Rules 1 and 2 first.

1. well its kinda late for that I talked to them once but only told them exactly what was on the police report, next time (hopefully never) I will make sure not to talk to them.

2. The other driver never came out of her car and I talked to her brother and mom, neither them or I said sorry or they where at fault.

3. We moved into a parking lot next to the intersection.

4. I didn't, she did but never admitted it, I don't really see how this could be my fault in any way at all, just looking at the pictures of the damage anyone should be able to see that.

 

[Rodimus Prime]

1. well its kinda late for that I talked to them once but only told them exactly what was on the police report, next time (hopefully never) I will make sure not to talk to them.

2. The other driver never came out of her car and I talked to her brother and mom, neither them or I said sorry or they where at fault.

3. We moved into a parking lot next to the intersection.

4. I didn't, she did but never admitted it, I don't really see how this could be my fault in any way at all, just looking at the pictures of the damage anyone should be able to see that.

Because you broke rule 1 it might end up being a very expensive lesson. The only reason I would ever talk to the other insurance company is just to tell them where to send the money. that or if the other driver is stubben in reporting it then I would contact them so they would push it though but then again I would rather have my insurance company do that.

Remember they are trying to protect their money. I willing to bet the lady did what ever she could to try to point the finger at you and was not going to be honest. With my wreck I was fairly honest about it and stated I look down and then looked up and boom I hit her.

Mind you I told my insurance company straight up I was at fault but I would not talk to the other one nor will I talk to her lawyer. The lawyer has to talk to my insurance company.

 

[103734]

Ok well my insurance found her 100% at fault and her insurance sent me a letter saying that even though the police report says that their client was at fault that there is nothing saying how the police officer came to that conclusion, so while they find their client partially at fault they still want to find me partially responsible.

So now its going to arbitration, from what I heard there is no way you can go against the ruling from arbitration, and that sometimes arbitration is biased.

How long does arbitration take? It went to arbitration back in January, also is there any way to fight it in court if I don't think it is right?

I really don't care about the deductible or the pice of the rental car or anything anything else, I just don't want an accident on my record.

 

[Sun Baked]

I really don't care about the deductible or the pice of the rental car or anything anything else, I just don't want an accident on my record.

With Allstate, it is on your record no matter who is at fault, counts as an "incident" or something like that and while it might not hurt your insurance rates with them citing in their records as the other driver is at fault...

If the number of incidents adds up and can affect your rates, or renewal, later. Or simply keeping you from qualifying for the deepest discounts for being accident free for x years.