My car was involved in an accident a week ago in FL, the other car had a stop sign and proceeded through and hit my car. The other driver admitted to seeing my car when it was approaching the intersection knowing my car did not have a stop sign and proceeded. Their left front bumper hit my driver side fender (above the front tire) and the insurance is saying it’s 50/50 for not maintaining proper lookout and claimed my car hit their insureds car. It just doesn’t make sense if the damage is on my fender that they could say I hit their vehicle? The adjuster also indicated there was a curve or turn near the intersection which is not true and I even provided photos of the intersection for her to review. I asked to have the claims manager call me but any advice on how to handle?
Car ran a stop sign and hit my car who did not have a stop sign and insurance is claiming 50/50
byu/One-Dealer-6593 inInsurance
Posted by One-Dealer-6593
7 Comments
https://preview.redd.it/y63aeqfinhld1.jpeg?width=3024&format=pjpg&auto=webp&s=3c4cf33d014343f7d8cb104bfc59133aad26fe4b
This is the damage to my car. How could my car hit their car?
https://preview.redd.it/erm90c6rphld1.jpeg?width=1179&format=pjpg&auto=webp&s=4e169231dac3fc19d902dd2ecd2a1c746cc85058
This is the view from my vehicle of the intersection. The X is where the other vehicle indicated they saw my vehicle and the circle is where the other vehicle was coming from. As you can see it’s a straight shot for my vehicle, no curves. Their vehicle had a stop sign, mine did not.
you have collision coverage? go thru your own policy.
escalating to the supervisor is the right first step here; sounds like a noob adjuster that doesn’t quite understand how this all works
that said, they may still decide to put 10 or 20% on you as at residential neighborhood speeds, it’s not hard to argue that you should have been able to see the other car failing to stop and slowing/stopping yourself to avoid the accident
assuming they don’t come up to 100%, best choice is to use your own collision coverage and let your insurer deal with this headache after they fix your car; you’ll get at least 50% of your deductible back for sure as it’s unlikely they’ll apportion any of the liability to you
Florida is a no fault state… You get your damages taken care of by your insurance.
Yeah crappy insurance companies will do that, I learned the lesson the hard way and should have immediately stopped talking to the at fault party’s insurance and went through my insurance. I recommend you do the same (assuming you don’t just have something like liability).
Go through your own policy and save the receipt for the rental. They will subrogate the other company and win in arbitration, including your out-of-pocket rental costs.