State: Florida
I was in an accident. Clearly the other lady's fault. She stopped suddenly when in a parking lot, then went in reverse. I was not moving. No police report. She had kids in her car, presumably very young. I had a friend in my car, middle aged guy. After apologizing for the accident, "sorry, that was my fault," she decided to change her story to the insurance company to say she was stopped and I came out of no where and hit her. I thought I would be okay without a police report because I had a witness (my friend in the passenger seat), but the insurance has said multiple times that I can not use "someone I know" as a witness. Is this true?
Now the insurance says that because it is just her story vs. my story, they have a duty to believe their insured (the other lady). They want to pay part of the damage to my car (about 75%). The insurance didn't say (I forgot to ask) who they deemed responsible for the accident. If they have a duty to believe their insured wouldn't it be 100% my fault? What is going on?
What can I do?
Thanks.
I was in an accident. Clearly the other lady's fault. She stopped suddenly when in a parking lot, then went in reverse. I was not moving. No police report. She had kids in her car, presumably very young. I had a friend in my car, middle aged guy. After apologizing for the accident, "sorry, that was my fault," she decided to change her story to the insurance company to say she was stopped and I came out of no where and hit her. I thought I would be okay without a police report because I had a witness (my friend in the passenger seat), but the insurance has said multiple times that I can not use "someone I know" as a witness. Is this true?
Now the insurance says that because it is just her story vs. my story, they have a duty to believe their insured (the other lady). They want to pay part of the damage to my car (about 75%). The insurance didn't say (I forgot to ask) who they deemed responsible for the accident. If they have a duty to believe their insured wouldn't it be 100% my fault? What is going on?
What can I do?
Thanks.