As I was driving through an intersection on a green light; the car in the opposite side made a left hand turn hitting me on the driver/front side of my car. Both drivers have insurance through the same company. Examiner advised that the police report favored us but we would still hold 10% liability for this loss. All agents, my Examiner and the other party's Examiner quoted the same lines throughout the process, before and after any evidence reviewed, the same lines were repeated like a script. Other driver was from out of state and the car was registered to another NY resident. Insurance co's is unorganized, they even went to my garage looking for the other party's car. I have been with the insurance co. for years with a clean driving record. No witnesses & one driver in each car.My car was towed and has remained in the garage since. It requires extensive repairs and cannot be driven at this time. I had put in new parts for this car just prior to the accident. The adjuster will be reviewing the car next week at the garage. Both parties being from the same company; I felt as though each agent was going through a planned script, whether they were my or other party's Examiner. I was told that a statement could be made to either one of them, it would be recorded and shared with the other Examiner. The other party did not submit a police report; other Examiner had no report until mine was submitted. I am not even sure if the company spoke to the driver or just the registered owner who was not even in the car at the time. I was told that the loss would be determined after the Adjuster reviewed my car, but I already received the letter indicating my responsibility for the 10% loss. What are my rights? How does this affect my future premiums with this company or new company?
Negligence and personal injury Medical expenses for personal injury Personal injury Evidence for personal injury cases Police reports for personal injuries Types of personal injuries Car Accidents Police interrogation Speeding tickets Driving record Car repairs Working with a lawyer Evidence
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