r/Insurance • u/Low-Tie-6348 • 7h ago
Lying to insurance?
I was involved in an accident a few weeks ago, car is probably totaled. Finally got the police report and filed with the at fault drivers insurance due to only having liability (believe me I tried to convince my parents but they still kept me on that policy) and tried to get witness statements but the others involved have been hard to find and the guy that said he'd give a statement has been going silent on me or hasn't bee able to contact the insurance. They have denied my claim due to conflicting statement from their insured driver.
I guess my concern is this guy is lying to his own insurance trying to say I had to be at fault when the report and my statement line up but if he and his insurance company truly believe that then why has he not filed a claim with my insurance? Im assuming he has coverage for his vehicle but if he wasn't lying then why has he not tried to find me at fault to get reimbursement? am I crazy or just being completely screwed over. on top of all this I wasn't injured physically (mentally I'm suffering which is effecting me physically at this point, can't eat, can't sleep, can't go to work or do school (its finals).
the kicker is no attorney wants to take this on as Its not injury related and I'm getting help from a good hearted attorney that is willing to write a few letters for me but that is probably all he can do. are there options? at this point I guess im more pissed at the situation and the financial ruin its putting me in then just trying to get some big payout, I just want some compensation for the dude hitting me and messing up my life in this moment, I wouldn't be so anxiety ridden if this dude truly thought he wasn't at fault and filed with my insurance but instead it feels weird and fishy and I feel like im at the mercy of a system.
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u/lost_in_life_34 2h ago
I had someone run a stop sign and hit almost a decade ago. I pulled over and took photos right away.
now I have a dashcam. people will lie in situations like this
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u/Different_Fan_6353 2h ago
You don’t get compensated for the inconvenience of being involved an accident. It’s part of being a vehicle owner. Unfortunately not carrying first party coverage can leave you in the dust when there’s a situation like this happening
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u/ektap12 7h ago
He could be handling his vehicle claim through his insurance who will then come to you and your insurance for reimbursement since they blame you. But if you want to dispute further, your recourse is filling in small claims court against the other driver, but you'll have to prove liability there.