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About Richard Hixenbaugh
Expertise
Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.
Experience
I have been involved in the insurance industry for over 20 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 10 times.
Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.
Past/Present clients
My company has done work for consumers nationwide.
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You are here: Experts > Autos > Auto Insurance > Auto Insurance Claims > rear ender
Expert: Richard Hixenbaugh - 11/9/2009
Question
Recently my daughter was car #6 in a nine car front to rear collision on the interstate. The police report states that car #1 slowed for traffic congestion and a chain reaction occurred. My daughter states she hit the car in front of her and was struck from behind. The car in front of my daughter has naturally filed a claim with my ins. When I called to file a claim on the car that struck my daughter, the adjuster said their client was stopped and was pushed into my daughters car, therefore denying responsibility to my daughters car. No tickets were issued by the police. I live in OK and the accident occurred in TX. Is the car that hit my daughter at least responsible for the rear end damage to her car?
Answer
Hi Richard,
Since the car that hit your daughter has denied liability, if you have insurance on this vehicle you should file this claim on your own collision coverage. Due to the fact that there many cars involved, it may take several months for all of the companied involved to settle on who is liable for what.
If the car that rearended your daughter was in fact hit and pushed into your daughter they would not be responsible for her damage. Instead the car that pushed the car into your daughter would be responsible.
I hope this helps
Richard Hixenbaugh
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