Accident question

[AutobotVu]

I was on freeway middle lane I stopped behind a truck guy behind me. Pretty simple whose at fault we pull over to side filed a police report. Next day I got off work saw that there was damage to my front end. I immediately call my insurance and told them there was front damage. I did not notice because the guy in front of me didn't pull over so I assume I didn't hit him.

But on the police report only stated rear end damage. I took to auto shop the guy behind me insurance said they only claim for bumper damage as for report so I would need to talk to the adjuster to have front end added on. Tried calling guy no answer figured just go through my insurance and they will bill them for everything.

Called both insurance again today they said they only paying for bumper damage as said in police report. The car is currently being fixed. What do I do?

 

[justalayman]

Plan on paying for the work on the front end out of pocket.

 

[adjusterjack]

Called both insurance again today they said they only paying for bumper damage as said in police report. The car is currently being fixed. What do I do?

Well, you must have hit something to cause damage to your front bumper so it should by covered by your own collision coverage if the other driver's company won't pay it.

However, your insurance company may consider it a separate claim with a separate deductible so you might want to think twice about claiming the front bumper on your own policy. Without proof (which you apparently don't have) that it was the same accident, your front end damage will be ruled an at-fault accident and your policy surcharged for it. Believe me, you don't want that.

So, as justalayman comments, resign yourself to paying for the front damage out of pocket.

 

[AutobotVu]

The car behind me hit me and pushed me into front guy all I can think of but guy in front didn't pull over with us

 

[AutobotVu]

My insurance took pictures and did estimate and even said was from the same incident but since it's not on police report all state said they not paying for front damage

 

[justalayman]

My insurance took pictures and did estimate and even said was from the same incident but since it's not on police report all state said they not paying for front damage

The insurance cannot say it was from the same incident. They have no way of knowing or
Determining it was from the same incident. If they are refusing to pay for the repair, it strongly suggests they don't believe it was from the same incident. For all anybody knows you hit somebody after the accident or somebody backed into your car. That is one reason you have to make, at least, a cursory look at your entire car.

 

[AutobotVu]

Ugh thanks for your guys input just gonna have repaired and see what happens after cause nothing I can do now I guess

 

[HighwayMan]

If you didn't know your car struck the car in front of you then you need to stay awake while you're driving.

 

[AutobotVu]

There wasn't huge damage to front it's not like bam right into him

 

[AutobotVu]

I was stopped behind a truck looked rear view mirror yup this guy's not gonna make it brace for impact didn't think he push me alitle into truck as the truck didn't pull over with us

 

[HighwayMan]

There wasn't huge damage to front it's not like bam right into him

It doesn't need to be "huge damage". Your car struck something in front of you and you had no idea.

 

[AutobotVu]

Yah shock from hit behind lost track my front

 

[AutobotVu]

Was too worried about getting over 2 lanes off freeway

 

[justalayman]

Was too worried about getting over 2 lanes off freeway

Ok, so after you got off the active traffic lanes and while the cop was there you didn't look at
the front of your car why?


If the driver in front of you didn't stop, as you believe because they didn't get hit by you, and you didn't think you hit them, I suggest the damage to the front of your vehicle isn't from that accident.

 

[AutobotVu]

I know from accident cause right before it I was at BMW dealership getting oil change so can I not get video recording from BMW of my car that day that it was fine then and not later ?