rear ended on icy road,claim denied
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Apr 25, 2011
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 Atlanta, GA
Asked on 04/25/2011
rear ended on icy road,claim denied On 12/15/10,I was driving on South Cobb Dr in the right lane i seen a car sliding in front of me so i press my brakes so i wouldnt hit it so i start sliding a little but i was able to control not hitting the car in front of me it was a car on my left side headed the same way i was going so i couldnt get over so the car behide me hits me in my rear end.The Police was called out but he finally came and said they couldnt do any reports i had to pull up a personal report of accident form and send it to progressive.The person that hitted me had progress and i did to so they denied my claim saying each party or responsible for their own damages.Her car wasnt messed up but mines is.So can you tell me what can i do?
Answer given on April 30, 2011
It’s a little unclear if you were in control of your car at the time of the collision. However, in the icy conditions, it may be that Progressive has decided there is no real “fault” by any driver since all were sliding around. However, when there are two cars insured by the same insurance company involved in an accident, the insurance company will usually waive the deductible for each car.
I presume you have collision coverage on your car. If so, talk to the Progressive adjuster and see if they will work with you on this. They can then pay for your damages less the deductible. You should also see if your agent will get involved and help you work with Progressive on this. They may be able to help resolve a better settlement for you or to convince the adjuster that this was in no way your fault so they should pay for full repairs on your car.
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.