How do I obtain the oral disposition from my insurance company of the person that hit me.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 20, 2013

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Insurance Question from Buffalo, NY

Asked on 06/20/2013

How do I obtain the oral disposition from my insurance company of the person that hit me. My neighbor backed into me and she refused to go through insurance. Later that night I contacted my insurance company and reported my claim. Long story short I got her info and reported the claim the her insurance company. My insurance company put fault on her 100 percent. But I decided to claim against her insurance because I have 1000 dollar deductible. A month later she finally got around to contacting her insurance company and told them she wasn't moving and I hit her. I need the oral disposition to prove she is at fault.

Answer given on July 24, 2013

If you were struck by another person but they are denying that they were at fault, her insurance company is going to take her statement and deny your claim. If your insurance company has a statement from her saying that she was at fault, they can use it to get reimbursement from that insurance company but they have to have made a payment on the claim.If your damage is over the $1,000 deductible, file the claim through your insurance company. They will pay for the difference, and will then subrogate against the other insurance company. They will use the information they got from the other driver to prove the cause of the loss. When they recover the payment your deductible will be reimbursed to you.It is not likely that your insurance company will provide you with the statement they got from the other insurance company. They took the information but if you don’t file the claim through them, they will not share the information.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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