What is the name of your state? PA (Dauphin County)
I was in an accident a few weeks ago which ended up totaling my car. Here is what happened. I was on a 3 lane highway in the far right hand land getting ready to exit within 1/4 to 1/2 mile. To my left (in the center lane) was one of those big trucks that carries new cars and to his left (in the far left - fast lane) was a woman in a Honda Accord. The next thing I know, the truck is swerving into my lane and hits my car spinning my car around 90 degrees and I end up in the far left lane facing traffic. Fortunately I wasn't hit again by the oncoming traffic or I would be in no condition to even write this.
No witnesses stopped to help and when the police arrived, they took everyone's statements. The officer told me flat out it couldn't be my fault, that I was the victim. What happened was, either the truck driver or the woman swerved into the other's lane and collided. They argue as to who moved into whose lane etc and the police report appears inconclusive. The fact is, though, that the trucker moved into my lane voluntarily. There is no way that little Honda FORCED him into my lane... he CHOSE to come into my lane and hit me... yet his insurance company claims no fault.
I do not carry collision coverage on my car. The insurance company for the trucking company has called stating because the police couldn't get one of them to admit fault and because they believe the woman is lying, they aren't going to accept any fault and therefore aren't paying.
I'm still waiting to hear from the woman's insurance company. So far they have been to see the car and stated it should be totaled and the damage is $5,600.
I guess I'd like some guidance on what to do about all of this. The truck is the one who came into MY lane and yet his insurance company refuses to come see the car or pay. Is this a good candidate for Small Claims Court or to the District Magistrate... and if so, where... near the site of the accident, near where I live? I'm left without my car here and no one wants to step up and do the right thing. On top of the costs of losing my car, I also had to pay $600 to have it towed and stored somewhere!
I'm quite frustrated and my own insurance company has been NO help whatsoever. The woman told me since I don't have collision, they won't lift a finger to help me... and I have to laugh because this is one of the big insurance companies you see advertising on tv as the one you're in good hands with....
Any help here would be greatly appreciated.
I was in an accident a few weeks ago which ended up totaling my car. Here is what happened. I was on a 3 lane highway in the far right hand land getting ready to exit within 1/4 to 1/2 mile. To my left (in the center lane) was one of those big trucks that carries new cars and to his left (in the far left - fast lane) was a woman in a Honda Accord. The next thing I know, the truck is swerving into my lane and hits my car spinning my car around 90 degrees and I end up in the far left lane facing traffic. Fortunately I wasn't hit again by the oncoming traffic or I would be in no condition to even write this.
No witnesses stopped to help and when the police arrived, they took everyone's statements. The officer told me flat out it couldn't be my fault, that I was the victim. What happened was, either the truck driver or the woman swerved into the other's lane and collided. They argue as to who moved into whose lane etc and the police report appears inconclusive. The fact is, though, that the trucker moved into my lane voluntarily. There is no way that little Honda FORCED him into my lane... he CHOSE to come into my lane and hit me... yet his insurance company claims no fault.
I do not carry collision coverage on my car. The insurance company for the trucking company has called stating because the police couldn't get one of them to admit fault and because they believe the woman is lying, they aren't going to accept any fault and therefore aren't paying.
I'm still waiting to hear from the woman's insurance company. So far they have been to see the car and stated it should be totaled and the damage is $5,600.
I guess I'd like some guidance on what to do about all of this. The truck is the one who came into MY lane and yet his insurance company refuses to come see the car or pay. Is this a good candidate for Small Claims Court or to the District Magistrate... and if so, where... near the site of the accident, near where I live? I'm left without my car here and no one wants to step up and do the right thing. On top of the costs of losing my car, I also had to pay $600 to have it towed and stored somewhere!
I'm quite frustrated and my own insurance company has been NO help whatsoever. The woman told me since I don't have collision, they won't lift a finger to help me... and I have to laugh because this is one of the big insurance companies you see advertising on tv as the one you're in good hands with....
Any help here would be greatly appreciated.
