AboutClaims 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.
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.
Education/Credentials I have a B.S. in Finance and have completed the AIC and CPCU designations.
Question Hi! My car was hit by the other vehicle that was backing up. The police report was the officer is unable to determine the fault. So I had to file the claim with my own insurance and got the check after the deductible about one and half year ago. But, my own insurance never accessed the fault. The insurance record was just “the other car backed up and hit.” I have already changed the insurance company. Can I still request my former auto insurance company to access the fault? I think I may collect at least 50% of my deductible even if the fault is 50/50, right? Please advise me how I request the determination of the fault?
Answer Yes, you can still request that they determine liability. They probably did but just did not discuss it with you. They are required to determine liability in every accident claim. If they believe you were not liable, they should file arbitration against the other party's insurance company and try to recover their payment as well as your deductible.
