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Question
I was in a car accident recently in OHIO and we switched insurance info but no police report was filed. It is now 2 days later and she is claiming it was my fault. I think it was her fault. How is it determined who was at fault if there's no report? Will I have to pay for her damages, even if I think she's at fault, or will the insurance companies make us pay for our own damages?
Hi Jennifer,
Each of you should report this to your own insurance company. You will tell your insurance company what happened. Your insurance company will also call the other driver to take their statement. Then the insurance adjuster will decide who is at fault. If your insurance company decides that you were not at fault they will seek reimbursement from the other insurance company and dito for the other insurance company.
I hope this helps
Richard Hixenbaugh
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| Rating(1-10) | Knowledgeability = 10 | Clarity of Response = 10 | Politeness = 10 |
| Comment | Thank you so much Richard. It was helpful. Our claims adjuster was wonderful and basically told us since it was a he said/she said kind of thing that we would both be responsible. I appreciate the swift answer!!! | ||
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Answers by Expert:
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 25 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 35 times.
Organizations
Society of Certified Auto Appraisers
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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