Hi There,
Recently I had a car accident in TX, where I hit another car from the back in a single line road. It was a rainy day, so the road was wet and extremely slippery. The accident took place in an intersection w/ no traffic lights.
The event: In front of us there was a car that suddenly stops and decides to turn left. The car in front of me breaks and slides, but able to maneuver and avoid hitting the turning car, stopping in front of me slightly turned to the right. When I break, I slide for about 3 or 4 seconds duplicating my speed, impacting the rear right of the car in front of me w/my left front side.
My car does not have ABS breaks, and also the intersection is a down the hill road. These factors contributed to increase my speed and unable me to stop my car promptly. The average speed for the car in front of me and my car was around 30 Mph; the maximum speed in this farmer road is 45 Mph.
No Ticket was issued. No Injuries were reported. The Police report determined that the accident was weather related.
In a conversation with an insurance agent who took the claim, he explained that because the accident was weather related the Insurance Adjuster may determine that was not my fault and each individual would have to fix their car on their own w/ their respective insurance.
It turns that the Adjuster failed against me, arguing that I didn’t have the enough distance due to road conditions, and was my fault because I impacted the other car. My native language is not English, and the Adjuster language was very fast and w/ lots of legal terms which make feel very uncomfortable. In many occasions during the telephone interview I felt that I was not sure about what I was answering. I disagree w/ the final resolution but he already passed the bill and paid the other car repairs.
In consequence my premium will increase 10% for the next 3 Years and a record will be generated that I caused the accident.
I would like to appeal to this resolution and do not have a premium increase neither a negative record on my clean history. I do not want to open a big litigation w/ layers etc.. because it may cost me even more $$$.
Despite to get another Insurance Co, which are my options at this point?
Recently I had a car accident in TX, where I hit another car from the back in a single line road. It was a rainy day, so the road was wet and extremely slippery. The accident took place in an intersection w/ no traffic lights.
The event: In front of us there was a car that suddenly stops and decides to turn left. The car in front of me breaks and slides, but able to maneuver and avoid hitting the turning car, stopping in front of me slightly turned to the right. When I break, I slide for about 3 or 4 seconds duplicating my speed, impacting the rear right of the car in front of me w/my left front side.
My car does not have ABS breaks, and also the intersection is a down the hill road. These factors contributed to increase my speed and unable me to stop my car promptly. The average speed for the car in front of me and my car was around 30 Mph; the maximum speed in this farmer road is 45 Mph.
No Ticket was issued. No Injuries were reported. The Police report determined that the accident was weather related.
In a conversation with an insurance agent who took the claim, he explained that because the accident was weather related the Insurance Adjuster may determine that was not my fault and each individual would have to fix their car on their own w/ their respective insurance.
It turns that the Adjuster failed against me, arguing that I didn’t have the enough distance due to road conditions, and was my fault because I impacted the other car. My native language is not English, and the Adjuster language was very fast and w/ lots of legal terms which make feel very uncomfortable. In many occasions during the telephone interview I felt that I was not sure about what I was answering. I disagree w/ the final resolution but he already passed the bill and paid the other car repairs.
In consequence my premium will increase 10% for the next 3 Years and a record will be generated that I caused the accident.
I would like to appeal to this resolution and do not have a premium increase neither a negative record on my clean history. I do not want to open a big litigation w/ layers etc.. because it may cost me even more $$$.
Despite to get another Insurance Co, which are my options at this point?
