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