You describe what could arguably be called an "emergency situation"; faced with an accident situation not of your own making but which you have to make a choice as to how to react. Under the "emergency doctrine", a court or jury can find that even if you chose the wrong "response " to the sudden emergency, you were not negligent. I am not sure, and don't subscribe to the belief, that you should have willing let the collision occur. Bottom line is that he is liable for changing lanes when it was not safe to do so, and should be responsible for your property damage (you don't say that you were hurt, so I am hoping that is the case). Insurance companies always try to save money by claiming it wasn't their insured's fault. If they don't want to pay you your just due, retain an attorney to sue, or if the amount of loss is low enough, bring a small claims court action.
If you were established in your lane and the other driver violated your established position in said lane you are without fault for the collision. Consult an attorney and protect your rights.
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Negligence cases are very fact intensive and good lawyers can make arguments either way. You have in your favor that the police officer agreed with you on the scene, and some jurors still believe the police officer's opinion count for something. On the other hand, some police officers are not experts in accident reconstruction and they are really doing nothing more than a jury would do, listening to both sides of the story and making a judgment call in your favor. That being said, in this case the police officer is on your side.
As for what the other driver's insurance adjuster says, you can take that for a grain of salt. They always side with their insured and they always try to get out of paying anything if they can, that's their job, and thankfully, they are not on the jury, and unlike the police officer who can testify in trial, the insurance adjusters opinion is never even mentioned in Court.
As for the insurance, if the driver had insurance, his insurance will pay for his negligence, no matter what car he was driving.
If you were hurt, you should be talking to a lawyer. You might have other insurance coverage of your own that can come into play, PIP, Med Pay and if needed, Uninsured/Underinsured.
Negotiating with the insurance adjuster on your own can be very frustrating for individuals. As lawyers, we do it all the time. It is our job. So, under the circumstances, hire a lawyer, and take away any unneeded stress in your life as you go through your pregnancy. The last thing you need is to be dealing with insurance adjusters.
Just my two cents.
Good Luck to you.
I am sorry for your situation. You should get a medical check up to make sure that you and your baby are ok. From the basic facts, it seems as though you were in an emergency situation and acted in a reasonable manner, although, the other driver's insurance carrier is taking the position that your actions were not those of a "reasonable" driver. I would work with your carrier to fight the claim that you were at fault. You may also want to hire an attorney to review the matter.
One fact that I don't understand is your statement that "his insurance is saying it's my fault", then you indicate that he was driving a car that was "uninsured".
The problem lies with trying to resolve an accident case with an insurance company without a lawyer. They aren't the richest companies in America, with their names on all the major skyscrapers because they deal fairly with people. Retain a car accident lawyer to investigate.
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I agree with these lawyers. Your in the insurance denial game. You need a lawyer asap. If you haveny done so already do not agree to give a statement to the insurance company until you have talked with a lawyer.
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If the other driver created a dangerous situation that you avoided, resulting in damages, the other driver can still be held liable. He doesn't get to walk away just because you didn't take up his open invitation to get into a wreck with HIS vehicle.
Sadly, insurance adjusters don't always see things that way. It may take a lawyer to get them to take responsibility-- and even then, your lawyer may have to file suit to get compensation. Seek an attorney immediately.
Also, the insurance situation creates some complications that your attorney will have to deal with.
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