what does it mean to me if the insurance co only will accept 75% of accident when it was clearly 100% their fault
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Jun 13, 2014
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Arleta, CA
Asked on 06/13/2014
what does it mean to me if the insurance co only will accept 75% of accident when it was clearly 100% their fault I was in an auto accident 1 yr ago, it was the other persons fault, he was crying becuz he thought he killed me. I was not hurt, but my convertible was totaled. I did not have ins, but he did.now they r telling me they will only accept 75 % fault. I do have witnesses,but I guess they ( ins co. ) never got that info. They made me an offer and I dont want it, because he was 100% at fault.
Answer given on June 25, 2014
If you were in an auto accident and did not have insurance at the time, it does not absolve the other party or their insurance from payment of the damages. The responsible party must pay the repairs to the other party.If there is a police report and witnesses, you need to present these to the insurance company for reconsideration. If they still say it is not their full responsibility, you need to ask them for an explanation as to why they are not responsible. You may be able to offer a rebuttal to their position.If they continue to deny, you can ask for a supervisor to try to get further settlement offer and/or ask your agent for assistance. If all of this fails, you may have to take them to court, but it will cost you since you did not have insurance so you will have to hire a lawyer on your own.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com 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 FreeAdvice.com 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 AttorneyPages.com to represent you.