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Auto Insurance Claims/False statements to Auto Insurance
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Question
I have NO insurance. My "friend" hit me, tore off my front bumber(trying to anticipate where i was parking) and filed a claim with her provider. Adjuster says roughly $2800 in damage to my car. I have been without a vehicle for work
fir 2 weeks. "Friend" fibs to her provider, first letter from tyhem now denies any payment.
Unfortunately it is very common for there to be conflicting statements about parking lot cases. Sometimes people lie and sometimes they just have different opinions about what transpired.
If you believe strongly that she is liable for your damages, your only option is to sue her in small claims court. You can do this without a lawyer. Go to the courthouse and the clerk can give you instructions. Her insurance company will be required to assign a lawyer to defend her. This will cost them money. They will then re-evaluate whether or not they think they can win or whether they should offer you a settlement.
If the case goes to court, you will need whatever evidence you can provide that supprots your case. Are there witnesses? Even if they were passengers, they can testify, although they will be considered biased and less credible than if independent. Will photos of the damage support your version over hers? Was there a security camera in the parking lot? It's a good idea to create a professional looking diagram and have scene photos to show the judge.
Make sure you get insurance for next time, so they can help you.
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Answers by Expert:
Claims Guy
Expertise
I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer......I can answer questions related to any aspect of Automobile insurance claims and coverages. I can provide an inside look at how insurers operate. I always treat my customers fairly and want to help make sure you are treated fairly. However, please keep in mind that being treated fairly according to the law does not guarantee that you will get what you want. I can also answer some questions regarding Homeowner's and other types of insurance claims. I have handled all types of auto insurance claims and coverages. I am NOT an automotive repair expert but can give advice re how insurers handle complex repair issues. Please keep in mind that every state has its own set of laws pertaining to rules of the road, liability, and insurance. No one is an expert on every state. I am most familiar with laws in Maryland, DC, West Virginia, and Virginia, but will attempt to answer questions for other states. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.
Experience
I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.
Organizations
CPCU Society. Adjusters license in multiple states. International Association of Specal Investigators
Education/Credentials
I have a B.S. in Finance and have completed the AIC and CPCU designations.
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