if I scrap a pole with my truck because a car was partly in my lane whose fault is it

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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: Mar 23, 2012

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Insurance Question from Colorado Springs, CO

Asked on 03/23/2012

if I scrap a pole with my truck because a car was partly in my lane whose fault is it NULL

Answer given on March 25, 2012

If you scrape a pole with your vehicle and feel it was caused by another party, hopefully you obtained information on the other party including their name, the car they were driving and their insurance company.If you have no information on the other party, your insurance company will most likely consider the accident to be your fault since there is no evidence of another party being involved in the incident. It is possible they will not increase your rates for the accident, but you will be responsible for the deductible before your car is repaired.If you have information on the other party, you can report the incident to your insurance company. They will investigate the claim and if they determine the other party was responsible, and are successful in obtaining reimbursement from the other party or their insurance company then your deductible will be refunded. However, if there is no evidence of a collision between you and the other party, you may have to pay your deductible.

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