Car accident question- other driver lying (1 Viewer)

[shadyridr]

Well I called MY insurance and they said if the other party is denying liability then my only recourse is filing a claim through my own policy. So I did that and the car will be dropped off tomorrow and inspected and I have rental reimbursement. I will be responsible for the deductible but then how do I get reimbursed if the other party's insurance denied liability? Thats the part nobody seems to be explaining to me.

couple of things:

- police report still hasn't come out yet, right? it's hard for GEICO to say with much confidence who is, and who is not, at fault until they see it.

- "denied liability" is not the same as "denied your claim" against said party

- as far as the deductible goes: your car will go to the body shop. they'll inspect it and submit the cost of repairs to your insurance. assuming the cost of repairs is not more than a certain % of the value of the vehicle, the insurance will authorize repair. it's likely you won't see a bill from the shop, they'll bill the insurance directly. when the claim against the other driver has been settled, and the insurance has determined who is liable (not your wife, b/c she got rear-ended), you'll receive a check for the deductible. yes, you'll be out the cash for a while (which sucks) but you'll get it back.

make sure you ask for a fancy rental.

so do i make the claim under my policy or their policy? Right now is my claim#

 

[Quint]

Well I called MY insurance and they said if the other party is denying liability then my only recourse is filing a claim through my own policy. So I did that and the car will be dropped off tomorrow and inspected and I have rental reimbursement. I will be responsible for the deductible but then how do I get reimbursed if the other party's insurance denied liability? Thats the part nobody seems to be explaining to me.

couple of things:

- police report still hasn't come out yet, right? it's hard for GEICO to say with much confidence who is, and who is not, at fault until they see it.

- "denied liability" is not the same as "denied your claim" against said party

- as far as the deductible goes: your car will go to the body shop. they'll inspect it and submit the cost of repairs to your insurance. assuming the cost of repairs is not more than a certain % of the value of the vehicle, the insurance will authorize repair. it's likely you won't see a bill from the shop, they'll bill the insurance directly. when the claim against the other driver has been settled, and the insurance has determined who is liable (not your wife, b/c she got rear-ended), you'll receive a check for the deductible. yes, you'll be out the cash for a while (which sucks) but you'll get it back.

make sure you ask for a fancy rental.

so do i make the claim under my policy or their policy? Right now is my claim#

it's your claim number for this incident, under your insurance policy.

the other party has a separate claim number for this incident under their own policy (assuming they've called GEICO to report it, which it sounds like they have).

at this point, just let the agent you've been working with deal with the adjuster, body shop, and party who hit you....that's what you pay them for every month. when the police report comes out, you'll have more info to work with.

 

[Dickies]

Well I called MY insurance and they said if the other party is denying liability then my only recourse is filing a claim through my own policy. So I did that and the car will be dropped off tomorrow and inspected and I have rental reimbursement. I will be responsible for the deductible but then how do I get reimbursed if the other party's insurance denied liability? Thats the part nobody seems to be explaining to me.

couple of things:

- police report still hasn't come out yet, right? it's hard for GEICO to say with much confidence who is, and who is not, at fault until they see it.

- "denied liability" is not the same as "denied your claim" against said party

- as far as the deductible goes: your car will go to the body shop. they'll inspect it and submit the cost of repairs to your insurance. assuming the cost of repairs is not more than a certain % of the value of the vehicle, the insurance will authorize repair. it's likely you won't see a bill from the shop, they'll bill the insurance directly. when the claim against the other driver has been settled, and the insurance has determined who is liable (not your wife, b/c she got rear-ended), you'll receive a check for the deductible. yes, you'll be out the cash for a while (which sucks) but you'll get it back.

make sure you ask for a fancy rental.

so do i make the claim under my policy or their policy? Right now is my claim#

I always start just filing it with the other party. Sounds like you got nowhere doing that. Next step is just to file a claim on your policy. Your rates will not go up since she was not at fault. You pay your deductible and get your car fixed. Once it is fixed you call and demand your deductible back. Hopefully by then there is a police report filed, etc. The other person insured with Geico hit you and is at fault for hitting you. Whether or not Geico deems her liable for the accident is irrelevant. They cannot just make up that some 3rd party hit them and forced them to hit you. It is on them to collect from the 3rd party involved as your wife was CLEARLY not at fault

 

[shadyridr]

Thanks guys feeling better again lol

 

[Donkey Derp]

I am not 100% sure you will get your deductible back. If the adjuster determines there was a third driver, they are at fault. If there is no way to contact the third party (whether they are real or not), GEICO has nothing to subrogate against and therefore he will be responsible for his own deductible.

 

[shadyridr]

Got a copy of the accident report and there's no mention of a 3rd vehicle nor any damage marked to the rear of the other vehicle.

 

[lod01]

Your claim with your insurance company. the third party stuff is not your problem, that's the problem of the guy that hit you. Relax.

sounds correct to me.

Your claim with your insurance company. the third party stuff is not your problem, that's the problem of the guy that hit you. Relax.

im not sure i can make it any clearer. His insurance company is GEICO. my insurance company is GEICO. His claims adjuster called me and said he has damage to the rear of his vehicle and they are denying liability in other words the fake third party is responsible. I then called GEICO about my claim and spoke to someone and he basically said the same thing. I would be responsible for the deductible and its considered a no fault accident. I havent even gotten an estimate yet.

Sounds like your insurance co is using the fact that both you have their insurance to #### you over. What a move by them.

 

[shadyridr]

So now that the police report mentions nothing about a third vehicle or damage to the rear of his vehicle do i try to and submit the claim thru his insurance or just continue with my claim?

 

[larch]

Wouldn't it make more sense to ask these questions to GEICO? You know, to people that do this every day for a living?

 

[sbonomo]

So his policy is denying liability. He had his car inspected and there is damage in the rear. My wife said the person was stopped behind him and this they are placing blame of the accident on this "third" driver. I said who is going to pay for the damage on my car and he said i can contact my adjuster and i can get the deductible reimbursed most likely. So everyone here was wrong?

Who is the "he" in this situation? The kid? You shouldn't be dealing with any of this. Report it to your insurance and only deal with them.

i just did. We have the same insurance company. They told me the same thing.

that is impossible. They owe tou for him hitting you. Who is your insurance company.

 

[NCCommish]

So now that the police report mentions nothing about a third vehicle or damage to the rear of his vehicle do i try to and submit the claim thru his insurance or just continue with my claim?

In my purely anecdotal experience just continue with your claim. I have always let my agent do the work. Dude collects on me every month he can do something every decade or so.

 

[belljr]

We got screwed when a spare tire came off a boat trailer and smashed our hood.

Other driver lied and we ended up paying the deductible.

Other time made claim and paid deductible about 3 weeks later I got reimbursement after my insurance settled

 

[belljr]

Send the report to your insurance right away

 

[Insein]

I'd think the cop on-scene would be the determining factor. If he put that the kid wasn't at fault b/c he was also rear-ended, then that's going to be the story the insurance co uses...that should also trigger a hit-and-run report for the other car. If he didn't put that in the report, then the kid is at fault.

I had a guy lie after hitting me one time too. Claimed I merged into his lane, when it was the opposite. Cop couldn't tell from the damage what happened, and no witnesses stopped, so he wrote "No fault."

This happened to me. My car still has the gash from where he rammed his truck into my car in a road rage incident. Literally no way it could have been misinterpreted but the guy said I hit him to get out of it and he did. Was his company's truck to. Contemplated going to his house and slashing tires but was too lazy.

 

[shuke]

If it happened like he claimed, its really two seperate accidents. No matter why it happened, if you rear end someone, you are at fault.

Im not a lawyer.

Not true.

I was in a 4 car pile-up, second from back. All the fault was chick in the back.

 

[shuke]

So his policy is denying liability. He had his car inspected and there is damage in the rear. My wife said the person was stopped behind him and this they are placing blame of the accident on this "third" driver. I said who is going to pay for the damage on my car and he said i can contact my adjuster and i can get the deductible reimbursed most likely. So everyone here was wrong?

How were the details not in the accident report??

 

[shuke]

So basically I'm ####ed out of my deductible. $500 for getting rear ended. How the #### is that fair? They are claiming the 3rd party is liable. It's considered a no fault accident on our end so my policy may not increase.

Your insurance company should be going after the third party

 

[Mrs. Rannous]

If it happened like he claimed, its really two seperate accidents. No matter why it happened, if you rear end someone, you are at fault.

Im not a lawyer.

Not true at all. Mr R was involved in an accident on the highway. The first car stopped for the traffic jam. Mr R stopped. The third car stopped. The fourth car hit car three into Mr R, and he hit the first car. Car four entirely at fault.

Also, there was a fatality accident here a couple of days ago. One car broke down in a traffic lane. The second car hit it from behind. Someone in the first car died. No charges are expected.

 

[Mad Cow]

Has anyone mentioned who insures who in this accident?

 

[shadyridr]

Has anyone mentioned who insures who in this accident?

Im still trying to figure out if Jared has children.

 

[George Jefferson Airplane]

im not sure i can make it any clearer.

 

[Gianni Verscotchie]

If Geico buys the kid's story that he was hit by an unidentified hit & run vehicle and pushed the kid into your wife, then you're SOL and out your $500 deductible.

Generally, the insurance company is obligated to their policy holder and will believe their story unless there is evidence to the contrary. An independent witness would be ideal, but it doesn't sound like there was one. Physical evidence can help determine the facts, but if there is damage to the kid's car, then that supports his story.

This really can go one of 3 ways:

1) Kid's Ins Co says the crash was solely caused by the unidentified vehicle. In which case, you have no one to recover from. Good thing you have collision coverage or you would be out a lot more than $500

2) Kid's Ins Co doesn't believe his story about the hit & run car and accepts 100% liability. Then they will pay you in full.

3) Kid's Ins Co can't determine the facts and may make a 50/50 liability decision. Where the kid is 50% at fault and the hit & run car is 50% at fault. They may offer to pay half your deductible based on this.

My guess is scenario 1 is the most likely. Simply because GEICO can shift blame to another party and not have to pay either you or the kid.

One thing is for sure. You should immediately file a claim with your carrier.

First, you're obligated to do so by the language in your policy. Check out the section titled "Insured's Duties".

Second, you will have an adjuster that is more likely to believe you and fight the kid's story.

Third, just because both companies are Geico does not mean they are in cahoots. In fact, each Geico adjuster is not allowed to look at the other's file.

Good luck!

 

[shadyridr]

So I never got my $500 back. I called GEICO today (almost 6 months later) to find out about the subrogation process and she said there was a third party involved so I wont get reimbursed. I said I dont understand, the person rear ended me, we should get $500 back from his insurance, and he should fight back for his deductible from this mysterious third party. She said that is not how it works. She said the other person had fresh damage to the rear of their vehicle.

So then I mentioned how come the police report mentions NOTHING at all about a third party and mentions no damage to the rear of his vehicle? All she says is "interesting".

Then she tells me the other person's claim examiner is gonna call me back and explain everything. At this point I got livid and said "Why do I have to handle this? Why doesn't my claim examiner fighting for me?? Who is sticking up for me?" She then said ok she will talk to them and call me back.

Im beyond pissed.

 

[Cjw_55106]

GL Shady. I can tell you are either pissed or.....not from around here:

Why doesn't my claim examiner fighting for me??

 

[shadyridr]

GL Shady. I can tell you are either pissed or.....not from around here:

Why doesn't my claim examiner fighting for me??

yeah typo

Anyway, the $500 doesnt even bother me at this point. I just feel like nobody ever fought for me. They just took the other party's story as fact and never even looked at the police report.

 

[Jobber]

GL Shady. I can tell you are either pissed or.....not from around here:

Why doesn't my claim examiner fighting for me??

yeah typo

Anyway, the $500 doesnt even bother me at this point. I just feel like nobody ever fought for me. They just took the other party's story as fact and never even looked at the police report.

That completely sucks, I'd be really pissed. Sorry that happened.

 

[Cjw_55106]

GL Shady. I can tell you are either pissed or.....not from around here:

Why doesn't my claim examiner fighting for me??

yeah typo

Anyway, the $500 doesnt even bother me at this point. I just feel like nobody ever fought for me. They just took the other party's story as fact and never even looked at the police report.

Sadly, the most you can do is wait for the issue to be resolved and find a new insurance company.

 

[shadyridr]

GL Shady. I can tell you are either pissed or.....not from around here:

Why doesn't my claim examiner fighting for me??

yeah typo

Anyway, the $500 doesnt even bother me at this point. I just feel like nobody ever fought for me. They just took the other party's story as fact and never even looked at the police report.

Sadly, the most you can do is wait for the issue to be resolved and find a new insurance company.

I definitely will be looking. Theyve collected premium from me all these years and I never got into an accident. The one time I need them and they basically dont even help.

The only thing thats annoying is my premiums are so low

 

[JoeSteeler]

GL Shady. I can tell you are either pissed or.....not from around here:

Why doesn't my claim examiner fighting for me??

yeah typo

Anyway, the $500 doesnt even bother me at this point. I just feel like nobody ever fought for me. They just took the other party's story as fact and never even looked at the police report.

Sadly, the most you can do is wait for the issue to be resolved and find a new insurance company.

I definitely will be looking. Theyve collected premium from me all these years and I never got into an accident. The one time I need them and they basically dont even help.

The only thing thats annoying is my premiums are so low

check out Erie insurance, have been very happy with them

https://www.erieinsurance.com/auto-insurance/coverage/state/new-york

 

[[icon]]

There's a reason your premiums are so low... Geico Sucks.

There are certain things In life I don't like to go "cheap" on because when you need them, you NEED them. Insurance is one of those things.

Look into State Farm, man.... Great rates AND they are remarkable when it comes to support/service/payouts when you need it.

 

[shadyridr]

There's a reason your premiums are so low... Geico Sucks.

There are certain things In life I don't like to go "cheap" on because when you need them, you NEED them. Insurance is one of those things.

Look into State Farm, man.... Great rates AND they are remarkable when it comes to support/service/payouts when you need it.

I was actually thinking State Farm because then I can get an actual agent who will fight for my rights. Geico has always treated me well before this. I called around for quotes a year back or so and State Farm was so expensive at the time. Then I got a dirt cheap quote from another carrier and called GEICO and they bumped my premium down even further.

I find it ironic and a little satisfying that they are willing to listen to this kid who was probably texting and will probably get into more accidents than an exemplary driver like me. They are willing to lose someone who they collect premiums from and never pay out claims for $500 so be it.

 

[Harry Manback]

Amica is fantastic as well.

 

[Johnny Rock]

I don't think you ever said how much damage there was to the two cars.

"Fresh damage" on his bumper doesn't mean it was enough force to do x damage to your wife's rear end (hey o). Tell them to open a physics book, write up an equation and show their work.

 

[shadyridr]

I don't think you ever said how much damage there was to the two cars.

"Fresh damage" on his bumper doesn't mean it was enough force to do x damage to your wife's rear end (hey o). Tell them to open a physics book, write up an equation and show their work.

It doesnt sound like they give two ####s about the facts.

 

[Dentist]

There's a reason your premiums are so low... Geico Sucks.

There are certain things In life I don't like to go "cheap" on because when you need them, you NEED them. Insurance is one of those things.

Look into State Farm, man.... Great rates AND they are remarkable when it comes to support/service/payouts when you need it.

I've read numerous articles over the years about how I should shop for better insurance rates, especially for car.

Well, price isn't everything... and Ive stuck with AmFam because when it comes time for them to pay up, they've done so with minimal hassle and BS.

Meanwhile I was hit recently by someone with Esurance, and dealing with them was nothing short of a nightmare.

The get what you pay for mantra really does come true... even when paying for something like insurance totally blows.

 

[Cjw_55106]

I've had great experience with Progressive (probably similar pricewise to geico). They paid my claim quickly and without issue.

 

[eoMMan]

GEICO was good for me several years ago when I got in an accident. Let's not totally #### on the company.

 

[shadyridr]

GEICO was good for me several years ago when I got in an accident. Let's not totally #### on the company.

I know the whole thing just boggles my mind.

They got an 18 year old kid who rear ends my wife (hey yo) and he claims there was a third vehicle. His father also happens to be sergeant.

They got my wife who gets hit from behind at a red light who claims she saw no vehicle. The police report mentions no third vehicle and only mentions damage to my rear bumper and his front bumper. Not only they but I have an exemplary driving record.

Add up all the evidence and the only thing they bothered to listen to was the kid's story just because he had some damage to the rear of his vehicle when he brought it into the shop? That couldn't have been there already? He couldnt do that himself? The whole thing just makes no sense.

I did learn one lesson. If Im every in an accident just blame some mysterious third party and I will never be at fault.

 

[shadyridr]

Sent them a long email last week basically laying out all the facts and pretty much demanding they reimburse my deductible or I will take my great driving record elsewhere.

and just like that, BOOM. My $500 deductible has been reimbursed.

Everyone take this as a lesson. Fight for your rights.

 

[Mors Venit]

did your wife take any photos at the scene? esp ones of the kids rear bumper?

I'd love to compare those to what the adjuster saw.

I wouldn't put it past this kids dad, with access to fleet cars, to rough up this kids bumper after the fact to make it look like he did get hit.

prob not, but just a hunch.

There is a documentary in here....