confused???

[Nubreed1975]

I was informed that my vehicle was suppedly in a hit and run accident at a local dollar store parking lot. The witness said that a woman was driving my vehicle and backed into a parked car, got out to access the damage, laughed, got back in and drove off. The managergot in her vehicle, and raced down the street and wrote down my plate number. I was driving my vehicle, was at the dollar store during that time frame, but I'm a man who looks nothing like a woman and these other details are false. Also the report was filed later at least an hour after the fact and while the witness said a woman was driving I'm listed on the report as the driver. I'm very confused over what I should do, the insurance investigator has tried to intimidate me into giving up the female who was driving, which there wasnt , or confess and pay the claim, or he said I'll have to deal with the state attorney generals office. The local police chief laughed about it being mistaken identity when I showed him my vehicle and said he'd take care of it, but this insurance investigator is determined to go by the the inaccurate details provided by the "witness". What can I do? BTW from what I understand the car was a clunker and had broke down hours earlier and the driver had to be called back to the store to fill out the report. Even the represntatives at the brokers office were skeptical of the witness.

 

[justalayman]

so, is there damage on your car that might be expected if it was involved in an accident as described?

 

[Nubreed1975]

No damage at all. I have a 2000 Dodge Durango without a scratch on the area of supposed impact. The insurance investigator says that it doesn't matter even though the bumper of my vehicle is either hard plastic or fiberglass. He really has me stressed out and I haven't rested well after being threatened to be turned over to the attorney generals office.

 

[las365]

Notify your insurance company.


But I'm guessing you don't have insurance.

 

[Nubreed1975]

Yes both vehicles are covered by state farm.

 

[justalayman]

since the cops don't seem too convinced by the other party's claim, I would simply alert your insurance company and give them the information they need.

 

[Nubreed1975]

yes I do in fact. Both vehicles are covered by state farm. The brokers are different but even the agent for the car in question is skeptical of the witness' story. It bothers me that. My vehicle has been singled out even though it wasn't clearly indentified except by a manager that raced down the street to get my tag number, because I was driving a blue SUV. The witness said that a woman drivng a blue SUV did this and wasn't specific about what kind. It wasn't until the manager ran my Durango down (note I was on my way to the bank and running errands not running away from an accident, if I was running away I'd have left town), and wrote down my tag number. Even though the witness says a woman was driving the accident report lists me as the driver and even has a driver listed for tha other vehicle even though it had been abandoned earlier after it broke down on them.

 

[justalayman]

just turn it over to your insurance company and let them deal with it. No sense in getting worked up over a mistaken identification issue.

 

[Nubreed1975]

Thanks for the advice, I've been trying not to get very worked up about it, but when the investigator for the insurance company started making threats it upset me and if I would've had the money to retain an attorney I would've. I'm an expectant father who's living paycheck to paycheck trying to get the most out of every penny I make and this mistake has made my stress level go through the roof. The investigator doesn't seem to care what the police have determined and is trying to do everything he can to verify the witness' claims which are vague at best and under any kind of normality would clear me anyway.

 

[justalayman]

stick to your guns.

My vehicle has been singled out even though it wasn't clearly indentified except by a manager that raced down the street to get my tag number, because I was driving a blue SUV

so, the woman whose car was hit never identified a blue Durango but simply a blue SUV? Unless she pointed to your vehicle and said: that's the truck, I wouldn't get too freaked. It sounds like she said a blue SUV and the manager grabbed a plate from the first blue SUV he saw.

so, when the manager got your plate number, did he see a woman in your truck?

 

[Nubreed1975]

I guess. I was at the dollar store at some point that afternoon, but I'm clearly not a woman. The police chief and everyone in his office got a good laugh when I came in with a copy of the report and tried to find out what was going on. The thing that rubbed me the wrong way is the insurance investigator who threatened me with the attorney general if I fill out a false statement. Here's my thing, what kind of statement? Is it my word against someone elses with the other person or people having an advantage over my word? If my story doesn't line up with theirs or if they decide to save face and say maybe it was a man or maybe it was me, do I get in trouble for the incedent. As of right now no charges have been filed and no citations have been issued but I wonder how long this things going to rock on like this.

 

[Nubreed1975]

Oh by the way the person who was driving the car had already left the store earlier because the car broke down. The "witness" or "witnesses" I'm not sure how many of them there were, were inside the store. Funny but everytime I go by there and they have any kind of business people clamor for the parking spaces in front of the store so I wonder how anyone inside could've seen anything so clearly, well then again they apparently didn't.

 

[Nubreed1975]

I don't know how they could've seen a woman in my durango because there wasn't one in there. I have asked the exact same question, but haven't been given an answer. I can promise that I've done my last bit of business there though.

 

[justalayman]

=Nubreed1975;2816053]I don't know how they could've seen a woman in my durango because there wasn't one in there.

that was my point so it goes back to what the cop said; mistaken identity

just let your insurance deal with it. That's what you pay them for.

I'm trying to figure out what this threat was supposed to mean:

or he said I'll have to deal with state attorney generals office

If you get a threat like that again, I would contact his superiors and discuss the fact the adjuster is threatening you in an attempt to force you to comply with his demands. Then you might let them know you will be contacting your states office that controls insurance. (don't know what it is called in your state offhand) and reporting said threats.

 

[Nubreed1975]

Thank you once again I'll keep that in mind if it happens again