Auto Insurance Claims/denial of claim

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Expert: - 12/20/2010


Question
hi
last week  somebody rare ended me at NJ , we called police and the person who hit me  claimed there is another vehicle pushed her in to my car, my car's whole back side is damaged. now cure insurance denying my claims and i dont have full insurance coverage ,what should i do

Answer
Hi Alexander,

If the police officer was able to see any damage to the rear of the car that hit you, then it would indicate that the driver was telling the truth about being hit and pushed into you. If that is the case then there is nothing you can do. The car that hit you is not responsible for your damage, the phantom vehicle is. Since you have no collision coverage on your vehicle, you will have to pay for the repairs yourself.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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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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