Posted by: chorfata May 1, 2013
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Dear Friends
I had an accident last Saturday when it was raining and the visibility was low. I was driving on the left lane(fast lane) and all of a sudden I saw a car that was on my right side change the lane. I had to react very immediately because the car could hit me if I didn't. So, as a reaction I pulled to the emergency lane and I happened to skid because of the rain and hit the wall. After a while a guy walked to me and said that it was his fault and didn't see me. So he gave me his phone number and insurance policy number. The guy said that he was in a hurry and had to leave, I said ok. At the time I was in total shock and wasn't able to think anything. After 20 mins or so police arrived at the scene and took me to a safe side. They asked me if I was only the one involved in the accident, I said there was another car too. So, I gave them the other driver's information. When I got back home with the car towed, I called the other guy's insurance company to file a claim. On Monday, somebody called me from the insurance saying he was the one who was investigating the situation. After he was done with questioning he said that in this situation I would be liable for 30%. He also called the other guy and investigated in the same way. Although the other guy is admitting that it was his fault, now the insurance is telling me that after inspecting my car and all the investigation process they cannot approve the claim. They said that they found me responsible for all the damage and would deny the claim. I don't the the process how they decide who is how much responsible for the accident. So, I am stuck right now. I need your suggestions for what would be the next right step to take. Do you think hiring a lawyer is a better idea beacause I don't think I am responsible for what happened at least not for everything.
Any suggestions or idea are greatly appreciated.
Thank you.