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Auto Insurance Claims/Got hit on the side.

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Expert: Ron Cercone - 10/30/2009


Question
Hi, I was driving straight on a road and another car came out of a shopping mall and hit the side of car.  My car was damaged on the driver side door, rear door and bumper.  We (me the other driver) exchanged information and I reported to my insurance company.  Unfortunately, there was no witness to it and I am worried if the other driver would report something different and end up I had partial fault even though I had the obvious right of way.  Could you tell me what my chances are and whether I am worrying too much?  Would adjusters look at how the car is damaged and decide who is wrong?  Thanks!

Answer
Well now you know why its a good idea to call or wait for the police to come out. People can change their mind and make up stories and rationalize it the more time they have. But in your case, yes, the vehicle physical damage areas should work in your favor. But you may have to tell it to a judge if the other adjuster tries to bully you.

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Ron Cercone

Expertise

How to handle automobile total loss claims. I am the president of UClaim.com, which sells 29 different eBooks I have written on how to maximize various types of auto, home and business claims and how to get coverage on denied claims. You may view their tables of contents online. Also available are very specialized eBooks such as on EUO (Examination Under Oath) for example. Also available is an assortment of policy forms used by the most popular insurers. The eBooks have a money back guarantee and currently include personal consultation with Ron Cercone.

Experience

I have been adjusting insurance claims since 1980. 1980 to 1995 adjusting for many insurers (6 years as an independent adjuster with my own company). Currently working as a public adjuster in California, since 1995. I'm one of the few public adjusters who has handled automobile damage and total loss claims.

Organizations
CAPIA (California Association of Public Adjusters).

Education/Credentials
BA 1975 in History and Industrial Arts. Full CV at UClaim.com .

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