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Auto Insurance Claims/MA Insurance Surcharge

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Question
I was the third car in a line of traffic. The first car abruptly stopped, the car in front me stopped and I rear-ended the 2nd car. I have received the surcharge notice but do not know if it is worth appealing on the basis that the first car fled the scene, the driver of the car I hit noted in his report the first car stopping abruptly and that his car completely shut down when he slammed on the breaks. I did not see the break lights for more than a second. Additionally, the damage to the car I hit included a tiny dent on the bumper. Lastly, I was not cited.

Answer
Hi Alan,

You should not waste your time with an appeal because you will lose. The fact that the first car left the scene is irrelevant. Any time you hit someone in the rear you are considered at fault. You are required under the law to maintain safe distance and be aware of what is goin on around you at all times. This is so that you have time to react to avoid a collision when something occurs.

I hope this helsp
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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