HELP My Parked Car Was Hit - Insurance Not Making Sense - No Fault
04-17-2004 | 12:44 PM
#1
Guest
Posts: n/a
HELP My Parked Car Was Hit - Insurance Not Making Sense - No Fault
Hello All,
I apologize for the cross posting but I am need of some serious
experienced advice before I take another step with the insurance
companies. I'll get right to it and try the best I can to stick to the
facts and not give my opinions. Here are some details I hope can help
assist you with offering some sound advice with dealing with these
insurance companies and adjusters. I live in Baltimore, MD and still
have comprehensive coverage on my car (no collision). My car was paid
in full and had a blue book vale of 9400. It was a Pre Owned Certified
vehicle. My insurance company is Geico.
There was a six car accident in front of my home. Of the six cars, 3
of them were parked on the side of the street, the other 3 were in
motion driving down the street. I heard the accident when it happened
when I was at home. I will refer to the 3 cars in motion as car # 1 -
3. The parked cars I will refer to as cars # 4 - 6. My car will be #
4. From the investigation of the scene car # 1 struck car # 2 in the
rear, the impact caused car # 2 to spin out of control and hit moving
car # 3 (which was in front of car # 2) and car # 2 hit all 3 parked
cars # 4-6. Car # 4, my car was the 1st car that was hit upon impact
from
car # 2, and it hit (and totalled) car # 5 and car # 6 just had minor
rear damage to the trunk and bumper. My car driver side door is so
smashed in it cannot be opened and the rim on the passenger sidewas
damaged by the impact being parked next to the curb. I'm worried about
unseen damage since car # 5 was totalled and it was the 2nd car hit by
car # 2. I can only imagine what has happened to my vehicle.
The officers at the scene told us since there was so much damage and
ambulances at the scene that they would gather all the information. I
gather all information I could from the scene - car models,plates,
colors, # of passengers, etc. I gave all necessary information and
spoke the officers, the officer said car # 1 was responsible for
setting in motion the car accident. I got a copy of the police report
as told by my insurance company and the police officer. The police
report has car # 1 driver in their own writing and signature stating
that he slammed his brakes and struck car # 2 in the rear and that car
# 2 had hit all the parked cars. The driver of car # 2 was taken to
the hospital and has no statement on file.
Now at this point, this is where it gets odd. Car # 1, who is insured
with State Farm, is saying that car #2 cut him off and that is the
fault of car #2 for the accident. Car # 1 admits fault to hitting the
rear of car # 2, but that is was car # 2 fault for cutting him off
that caused the accident. The State Farm adjust has been less than
cooperable with helping expedite this process. The adjuster said that
car # 1 said there was "misunderstanding" with the police report and
that car # 1 driver said he didn't agree with the police report
(which he wrote and signed himself) and that they needed to get a hold
of the officer who filed the report to get it cleared up. In Maryland,
I thought it was not possible to change a police report once it has
been filed. I let them do that, as expected no change. Now the State
Farm adjuster refuses to look at my car or assume liabity at all for
the accident. The adjuster tells me he is going to issue a letter of
denial for liability next week. As for car # 2, which is the car that
impacted with my car, I wasn't even listed on their claim and they
didn't have a copy of the police report. I faxed them over a copy of
the police report and they updated their info. Car # 2's insurer said
an adjuster was going to look at my car and that they would call to
set an appointment to look at the car. but that has not been
confirmed. Now, car # 2's insurer is going to send a letter of denial
for liability because car #1's insurer is doing the same. This where
my dilemna comes in, because of my insurance coverage with Geico I
cannot claim underinsured motorist damage without a liable party. With
both car #1 and car # 2 about to deny any liability for this accident,
I'm without a car since technically there is no one underinsured to
accept responsibility for the damage to my parked car.
Please, I hope someone can help me with this, I'd rather not go to
court and I'm just looking to get my car back to the way it was. I
have been riding my bike back and forth to work for the last 3 weeks.
The insurance companies are being extremely uncooperative and taking
their time at my expense. I'm feeling like I'm being taken advantage
of at someone else's expense. My car was parked in front of my home
when it was hit, I can't understand why I am being treated like I did
something wrong. Any legal information or advice would be greatly
appreciated on how to pursue this. Thank you all in advance.
I feel that Geico and myself should not be responsible for the damage,
since I was in no way at fault or involved with this accident. I was
simply parked in front of my home and it's been 3 weeks and no one has
come to even look at the car.
I apologize for the cross posting but I am need of some serious
experienced advice before I take another step with the insurance
companies. I'll get right to it and try the best I can to stick to the
facts and not give my opinions. Here are some details I hope can help
assist you with offering some sound advice with dealing with these
insurance companies and adjusters. I live in Baltimore, MD and still
have comprehensive coverage on my car (no collision). My car was paid
in full and had a blue book vale of 9400. It was a Pre Owned Certified
vehicle. My insurance company is Geico.
There was a six car accident in front of my home. Of the six cars, 3
of them were parked on the side of the street, the other 3 were in
motion driving down the street. I heard the accident when it happened
when I was at home. I will refer to the 3 cars in motion as car # 1 -
3. The parked cars I will refer to as cars # 4 - 6. My car will be #
4. From the investigation of the scene car # 1 struck car # 2 in the
rear, the impact caused car # 2 to spin out of control and hit moving
car # 3 (which was in front of car # 2) and car # 2 hit all 3 parked
cars # 4-6. Car # 4, my car was the 1st car that was hit upon impact
from
car # 2, and it hit (and totalled) car # 5 and car # 6 just had minor
rear damage to the trunk and bumper. My car driver side door is so
smashed in it cannot be opened and the rim on the passenger sidewas
damaged by the impact being parked next to the curb. I'm worried about
unseen damage since car # 5 was totalled and it was the 2nd car hit by
car # 2. I can only imagine what has happened to my vehicle.
The officers at the scene told us since there was so much damage and
ambulances at the scene that they would gather all the information. I
gather all information I could from the scene - car models,plates,
colors, # of passengers, etc. I gave all necessary information and
spoke the officers, the officer said car # 1 was responsible for
setting in motion the car accident. I got a copy of the police report
as told by my insurance company and the police officer. The police
report has car # 1 driver in their own writing and signature stating
that he slammed his brakes and struck car # 2 in the rear and that car
# 2 had hit all the parked cars. The driver of car # 2 was taken to
the hospital and has no statement on file.
Now at this point, this is where it gets odd. Car # 1, who is insured
with State Farm, is saying that car #2 cut him off and that is the
fault of car #2 for the accident. Car # 1 admits fault to hitting the
rear of car # 2, but that is was car # 2 fault for cutting him off
that caused the accident. The State Farm adjust has been less than
cooperable with helping expedite this process. The adjuster said that
car # 1 said there was "misunderstanding" with the police report and
that car # 1 driver said he didn't agree with the police report
(which he wrote and signed himself) and that they needed to get a hold
of the officer who filed the report to get it cleared up. In Maryland,
I thought it was not possible to change a police report once it has
been filed. I let them do that, as expected no change. Now the State
Farm adjuster refuses to look at my car or assume liabity at all for
the accident. The adjuster tells me he is going to issue a letter of
denial for liability next week. As for car # 2, which is the car that
impacted with my car, I wasn't even listed on their claim and they
didn't have a copy of the police report. I faxed them over a copy of
the police report and they updated their info. Car # 2's insurer said
an adjuster was going to look at my car and that they would call to
set an appointment to look at the car. but that has not been
confirmed. Now, car # 2's insurer is going to send a letter of denial
for liability because car #1's insurer is doing the same. This where
my dilemna comes in, because of my insurance coverage with Geico I
cannot claim underinsured motorist damage without a liable party. With
both car #1 and car # 2 about to deny any liability for this accident,
I'm without a car since technically there is no one underinsured to
accept responsibility for the damage to my parked car.
Please, I hope someone can help me with this, I'd rather not go to
court and I'm just looking to get my car back to the way it was. I
have been riding my bike back and forth to work for the last 3 weeks.
The insurance companies are being extremely uncooperative and taking
their time at my expense. I'm feeling like I'm being taken advantage
of at someone else's expense. My car was parked in front of my home
when it was hit, I can't understand why I am being treated like I did
something wrong. Any legal information or advice would be greatly
appreciated on how to pursue this. Thank you all in advance.
I feel that Geico and myself should not be responsible for the damage,
since I was in no way at fault or involved with this accident. I was
simply parked in front of my home and it's been 3 weeks and no one has
come to even look at the car.
04-17-2004 | 01:10 PM
#2
Guest
Posts: n/a
Re: HELP My Parked Car Was Hit - Insurance Not Making Sense - No Fault
> I feel that Geico and myself should not be responsible for the damage,
> since I was in no way at fault or involved with this accident. I was
> simply parked in front of my home and it's been 3 weeks and no one has
> come to even look at the car.
geico should come, look at your car, and try to sort everything out. thats
what *they* are being paid for.
04-17-2004 | 01:46 PM
#3
Guest
Posts: n/a
Re: HELP My Parked Car Was Hit - Insurance Not Making Sense - No Fault
On 17 Apr 2004 09:44:22 -0700, insurancehelp2004@yahoo.com
(InsuranceHelp2004) wrote:
>My car was paid
>in full and had a blue book vale of 9400.
Wholesale or retail? Because the wholesale value is all they'll pay
you unless you do a lot of screaming.
>Please, I hope someone can help me with this, I'd rather not go to
>court and I'm just looking to get my car back to the way it was. I
>have been riding my bike back and forth to work for the last 3 weeks.
>The insurance companies are being extremely uncooperative and taking
>their time at my expense.
They keep lawyers on full time retainer. It costs them nothing to
delay and delay in the hope that you'll give up. Court calendars are
jammed and it's easy to delay and dawdle.
> I'm feeling like I'm being taken advantage
>of at someone else's expense. My car was parked in front of my home
>when it was hit, I can't understand why I am being treated like I did
>something wrong.
You aren't. You're being treated like you're helpless and with little
recourse, which you are.
>I feel that Geico and myself should not be responsible for the damage,
>since I was in no way at fault or involved with this accident. I was
>simply parked in front of my home and it's been 3 weeks and no one has
>come to even look at the car.
Justice or fair compensation has nothing to do with it. Too many
people are out to screw the insurance companies, so they have adopted
the policy of screwing the public. In your case there are multiple
insurers so they are busy trying to screw each other, their claimants,
and their insurees.
In the real world this is what's called a cluster .
Lotsa luck :-(
(InsuranceHelp2004) wrote:
>My car was paid
>in full and had a blue book vale of 9400.
Wholesale or retail? Because the wholesale value is all they'll pay
you unless you do a lot of screaming.
>Please, I hope someone can help me with this, I'd rather not go to
>court and I'm just looking to get my car back to the way it was. I
>have been riding my bike back and forth to work for the last 3 weeks.
>The insurance companies are being extremely uncooperative and taking
>their time at my expense.
They keep lawyers on full time retainer. It costs them nothing to
delay and delay in the hope that you'll give up. Court calendars are
jammed and it's easy to delay and dawdle.
> I'm feeling like I'm being taken advantage
>of at someone else's expense. My car was parked in front of my home
>when it was hit, I can't understand why I am being treated like I did
>something wrong.
You aren't. You're being treated like you're helpless and with little
recourse, which you are.
>I feel that Geico and myself should not be responsible for the damage,
>since I was in no way at fault or involved with this accident. I was
>simply parked in front of my home and it's been 3 weeks and no one has
>come to even look at the car.
Justice or fair compensation has nothing to do with it. Too many
people are out to screw the insurance companies, so they have adopted
the policy of screwing the public. In your case there are multiple
insurers so they are busy trying to screw each other, their claimants,
and their insurees.
In the real world this is what's called a cluster .
Lotsa luck :-(
04-17-2004 | 02:06 PM
#4
Guest
Posts: n/a
Re: HELP My Parked Car Was Hit - Insurance Not Making Sense - NoFault
On 4/17/04 11:44 AM, in article
71f632b0.0404170844.67697a6f@posting.google.com, "InsuranceHelp2004"
<insurancehelp2004@yahoo.com> wrote:
> Hello All,
> I apologize for the cross posting but I am need of some serious
> experienced advice before I take another step with the insurance
> companies. I'll get right to it and try the best I can to stick to the
> facts and not give my opinions. Here are some details I hope can help
> assist you with offering some sound advice with dealing with these
> insurance companies and adjusters. I live in Baltimore, MD and still
> have comprehensive coverage on my car (no collision). My car was paid
> in full and had a blue book vale of 9400. It was a Pre Owned Certified
> vehicle. My insurance company is Geico.
>
> There was a six car accident in front of my home. Of the six cars, 3
> of them were parked on the side of the street, the other 3 were in
> motion driving down the street. I heard the accident when it happened
> when I was at home. I will refer to the 3 cars in motion as car # 1 -
> 3. The parked cars I will refer to as cars # 4 - 6. My car will be #
> 4. From the investigation of the scene car # 1 struck car # 2 in the
> rear, the impact caused car # 2 to spin out of control and hit moving
> car # 3 (which was in front of car # 2) and car # 2 hit all 3 parked
> cars # 4-6. Car # 4, my car was the 1st car that was hit upon impact
> from
> car # 2, and it hit (and totalled) car # 5 and car # 6 just had minor
> rear damage to the trunk and bumper. My car driver side door is so
> smashed in it cannot be opened and the rim on the passenger sidewas
> damaged by the impact being parked next to the curb. I'm worried about
> unseen damage since car # 5 was totalled and it was the 2nd car hit by
> car # 2. I can only imagine what has happened to my vehicle.
>
> The officers at the scene told us since there was so much damage and
> ambulances at the scene that they would gather all the information. I
> gather all information I could from the scene - car models,plates,
> colors, # of passengers, etc. I gave all necessary information and
> spoke the officers, the officer said car # 1 was responsible for
> setting in motion the car accident. I got a copy of the police report
> as told by my insurance company and the police officer. The police
> report has car # 1 driver in their own writing and signature stating
> that he slammed his brakes and struck car # 2 in the rear and that car
> # 2 had hit all the parked cars. The driver of car # 2 was taken to
> the hospital and has no statement on file.
>
> Now at this point, this is where it gets odd. Car # 1, who is insured
> with State Farm, is saying that car #2 cut him off and that is the
> fault of car #2 for the accident. Car # 1 admits fault to hitting the
> rear of car # 2, but that is was car # 2 fault for cutting him off
> that caused the accident. The State Farm adjust has been less than
> cooperable with helping expedite this process. The adjuster said that
> car # 1 said there was "misunderstanding" with the police report and
> that car # 1 driver said he didn't agree with the police report
> (which he wrote and signed himself) and that they needed to get a hold
> of the officer who filed the report to get it cleared up. In Maryland,
> I thought it was not possible to change a police report once it has
> been filed. I let them do that, as expected no change. Now the State
> Farm adjuster refuses to look at my car or assume liabity at all for
> the accident. The adjuster tells me he is going to issue a letter of
> denial for liability next week. As for car # 2, which is the car that
> impacted with my car, I wasn't even listed on their claim and they
> didn't have a copy of the police report. I faxed them over a copy of
> the police report and they updated their info. Car # 2's insurer said
> an adjuster was going to look at my car and that they would call to
> set an appointment to look at the car. but that has not been
> confirmed. Now, car # 2's insurer is going to send a letter of denial
> for liability because car #1's insurer is doing the same. This where
> my dilemna comes in, because of my insurance coverage with Geico I
> cannot claim underinsured motorist damage without a liable party. With
> both car #1 and car # 2 about to deny any liability for this accident,
> I'm without a car since technically there is no one underinsured to
> accept responsibility for the damage to my parked car.
>
> Please, I hope someone can help me with this, I'd rather not go to
> court and I'm just looking to get my car back to the way it was. I
> have been riding my bike back and forth to work for the last 3 weeks.
> The insurance companies are being extremely uncooperative and taking
> their time at my expense. I'm feeling like I'm being taken advantage
> of at someone else's expense. My car was parked in front of my home
> when it was hit, I can't understand why I am being treated like I did
> something wrong. Any legal information or advice would be greatly
> appreciated on how to pursue this. Thank you all in advance.
>
> I feel that Geico and myself should not be responsible for the damage,
> since I was in no way at fault or involved with this accident. I was
> simply parked in front of my home and it's been 3 weeks and no one has
> come to even look at the car.
I think if Geico won't step up and handle it for you, you will have to sue
the drivers directly for the damages. Ultimately, the insurance companies
were hired to act at their agents, but I don't think that relieves them of
personal responsibility/liability, whether they deny it or not. I don't see
any way for you to get compensation without at least hiring a lawyer and
probably going to court.
71f632b0.0404170844.67697a6f@posting.google.com, "InsuranceHelp2004"
<insurancehelp2004@yahoo.com> wrote:
> Hello All,
> I apologize for the cross posting but I am need of some serious
> experienced advice before I take another step with the insurance
> companies. I'll get right to it and try the best I can to stick to the
> facts and not give my opinions. Here are some details I hope can help
> assist you with offering some sound advice with dealing with these
> insurance companies and adjusters. I live in Baltimore, MD and still
> have comprehensive coverage on my car (no collision). My car was paid
> in full and had a blue book vale of 9400. It was a Pre Owned Certified
> vehicle. My insurance company is Geico.
>
> There was a six car accident in front of my home. Of the six cars, 3
> of them were parked on the side of the street, the other 3 were in
> motion driving down the street. I heard the accident when it happened
> when I was at home. I will refer to the 3 cars in motion as car # 1 -
> 3. The parked cars I will refer to as cars # 4 - 6. My car will be #
> 4. From the investigation of the scene car # 1 struck car # 2 in the
> rear, the impact caused car # 2 to spin out of control and hit moving
> car # 3 (which was in front of car # 2) and car # 2 hit all 3 parked
> cars # 4-6. Car # 4, my car was the 1st car that was hit upon impact
> from
> car # 2, and it hit (and totalled) car # 5 and car # 6 just had minor
> rear damage to the trunk and bumper. My car driver side door is so
> smashed in it cannot be opened and the rim on the passenger sidewas
> damaged by the impact being parked next to the curb. I'm worried about
> unseen damage since car # 5 was totalled and it was the 2nd car hit by
> car # 2. I can only imagine what has happened to my vehicle.
>
> The officers at the scene told us since there was so much damage and
> ambulances at the scene that they would gather all the information. I
> gather all information I could from the scene - car models,plates,
> colors, # of passengers, etc. I gave all necessary information and
> spoke the officers, the officer said car # 1 was responsible for
> setting in motion the car accident. I got a copy of the police report
> as told by my insurance company and the police officer. The police
> report has car # 1 driver in their own writing and signature stating
> that he slammed his brakes and struck car # 2 in the rear and that car
> # 2 had hit all the parked cars. The driver of car # 2 was taken to
> the hospital and has no statement on file.
>
> Now at this point, this is where it gets odd. Car # 1, who is insured
> with State Farm, is saying that car #2 cut him off and that is the
> fault of car #2 for the accident. Car # 1 admits fault to hitting the
> rear of car # 2, but that is was car # 2 fault for cutting him off
> that caused the accident. The State Farm adjust has been less than
> cooperable with helping expedite this process. The adjuster said that
> car # 1 said there was "misunderstanding" with the police report and
> that car # 1 driver said he didn't agree with the police report
> (which he wrote and signed himself) and that they needed to get a hold
> of the officer who filed the report to get it cleared up. In Maryland,
> I thought it was not possible to change a police report once it has
> been filed. I let them do that, as expected no change. Now the State
> Farm adjuster refuses to look at my car or assume liabity at all for
> the accident. The adjuster tells me he is going to issue a letter of
> denial for liability next week. As for car # 2, which is the car that
> impacted with my car, I wasn't even listed on their claim and they
> didn't have a copy of the police report. I faxed them over a copy of
> the police report and they updated their info. Car # 2's insurer said
> an adjuster was going to look at my car and that they would call to
> set an appointment to look at the car. but that has not been
> confirmed. Now, car # 2's insurer is going to send a letter of denial
> for liability because car #1's insurer is doing the same. This where
> my dilemna comes in, because of my insurance coverage with Geico I
> cannot claim underinsured motorist damage without a liable party. With
> both car #1 and car # 2 about to deny any liability for this accident,
> I'm without a car since technically there is no one underinsured to
> accept responsibility for the damage to my parked car.
>
> Please, I hope someone can help me with this, I'd rather not go to
> court and I'm just looking to get my car back to the way it was. I
> have been riding my bike back and forth to work for the last 3 weeks.
> The insurance companies are being extremely uncooperative and taking
> their time at my expense. I'm feeling like I'm being taken advantage
> of at someone else's expense. My car was parked in front of my home
> when it was hit, I can't understand why I am being treated like I did
> something wrong. Any legal information or advice would be greatly
> appreciated on how to pursue this. Thank you all in advance.
>
> I feel that Geico and myself should not be responsible for the damage,
> since I was in no way at fault or involved with this accident. I was
> simply parked in front of my home and it's been 3 weeks and no one has
> come to even look at the car.
I think if Geico won't step up and handle it for you, you will have to sue
the drivers directly for the damages. Ultimately, the insurance companies
were hired to act at their agents, but I don't think that relieves them of
personal responsibility/liability, whether they deny it or not. I don't see
any way for you to get compensation without at least hiring a lawyer and
probably going to court.
04-17-2004 | 03:03 PM
#5
Guest
Posts: n/a
Re: HELP My Parked Car Was Hit - Insurance Not Making Sense - No Fault
Work with Gieco, take the info from all parties, the police reports, etc,
and let your insurance company work it out. This is why you have
insurance... if you go to the other party's insurance CO, they will take
your claim, but it is in their interest not to pay up full bill...
As a third party to the accident, Gieco knows that you are not at fault, and
the claim should not impact your ratings (i.e. your car was parked in a
legal manner). Gieco will take the info for your claim, go after State Farm,
and get the money from them. Your other option, depending on the loss, is to
pursue a civil action against the insurance companies and involved parties
in the accident.
Hope that all things work out... sounds like a pretty complex deal, but the
police report is the key.
Tim
and let your insurance company work it out. This is why you have
insurance... if you go to the other party's insurance CO, they will take
your claim, but it is in their interest not to pay up full bill...
As a third party to the accident, Gieco knows that you are not at fault, and
the claim should not impact your ratings (i.e. your car was parked in a
legal manner). Gieco will take the info for your claim, go after State Farm,
and get the money from them. Your other option, depending on the loss, is to
pursue a civil action against the insurance companies and involved parties
in the accident.
Hope that all things work out... sounds like a pretty complex deal, but the
police report is the key.
Tim
04-17-2004 | 04:17 PM
#6
Guest
Posts: n/a
Re: HELP My Parked Car Was Hit - Insurance Not Making Sense - No Fault
Another thing you might try; if you have "Mr/Ms Fix this problem" in the
local paper or a local TV station you might try to get them involved to
help resolve the problem.
I'm sure the threat of negative publicity in the press or on the air would
motivate a
settlement. Good Luck..
> Hello All,
> I apologize for the cross posting but I am need of some serious
> experienced advice before I take another step with the insurance
> companies. I'll get right to it and try the best I can to stick to the
> facts and not give my opinions. Here are some details I hope can help
> assist you with offering some sound advice with dealing with these
> insurance companies and adjusters. I live in Baltimore, MD and still
> have comprehensive coverage on my car (no collision). My car was paid
> in full and had a blue book vale of 9400. It was a Pre Owned Certified
> vehicle. My insurance company is Geico.
>
> There was a six car accident in front of my home. Of the six cars, 3
> of them were parked on the side of the street, the other 3 were in
> motion driving down the street. I heard the accident when it happened
> when I was at home. I will refer to the 3 cars in motion as car # 1 -
> 3. The parked cars I will refer to as cars # 4 - 6. My car will be #
> 4. From the investigation of the scene car # 1 struck car # 2 in the
> rear, the impact caused car # 2 to spin out of control and hit moving
> car # 3 (which was in front of car # 2) and car # 2 hit all 3 parked
> cars # 4-6. Car # 4, my car was the 1st car that was hit upon impact
> from
> car # 2, and it hit (and totalled) car # 5 and car # 6 just had minor
> rear damage to the trunk and bumper. My car driver side door is so
> smashed in it cannot be opened and the rim on the passenger sidewas
> damaged by the impact being parked next to the curb. I'm worried about
> unseen damage since car # 5 was totalled and it was the 2nd car hit by
> car # 2. I can only imagine what has happened to my vehicle.
>
> The officers at the scene told us since there was so much damage and
> ambulances at the scene that they would gather all the information. I
> gather all information I could from the scene - car models,plates,
> colors, # of passengers, etc. I gave all necessary information and
> spoke the officers, the officer said car # 1 was responsible for
> setting in motion the car accident. I got a copy of the police report
> as told by my insurance company and the police officer. The police
> report has car # 1 driver in their own writing and signature stating
> that he slammed his brakes and struck car # 2 in the rear and that car
> # 2 had hit all the parked cars. The driver of car # 2 was taken to
> the hospital and has no statement on file.
>
> Now at this point, this is where it gets odd. Car # 1, who is insured
> with State Farm, is saying that car #2 cut him off and that is the
> fault of car #2 for the accident. Car # 1 admits fault to hitting the
> rear of car # 2, but that is was car # 2 fault for cutting him off
> that caused the accident. The State Farm adjust has been less than
> cooperable with helping expedite this process. The adjuster said that
> car # 1 said there was "misunderstanding" with the police report and
> that car # 1 driver said he didn't agree with the police report
> (which he wrote and signed himself) and that they needed to get a hold
> of the officer who filed the report to get it cleared up. In Maryland,
> I thought it was not possible to change a police report once it has
> been filed. I let them do that, as expected no change. Now the State
> Farm adjuster refuses to look at my car or assume liabity at all for
> the accident. The adjuster tells me he is going to issue a letter of
> denial for liability next week. As for car # 2, which is the car that
> impacted with my car, I wasn't even listed on their claim and they
> didn't have a copy of the police report. I faxed them over a copy of
> the police report and they updated their info. Car # 2's insurer said
> an adjuster was going to look at my car and that they would call to
> set an appointment to look at the car. but that has not been
> confirmed. Now, car # 2's insurer is going to send a letter of denial
> for liability because car #1's insurer is doing the same. This where
> my dilemna comes in, because of my insurance coverage with Geico I
> cannot claim underinsured motorist damage without a liable party. With
> both car #1 and car # 2 about to deny any liability for this accident,
> I'm without a car since technically there is no one underinsured to
> accept responsibility for the damage to my parked car.
>
> Please, I hope someone can help me with this, I'd rather not go to
> court and I'm just looking to get my car back to the way it was. I
> have been riding my bike back and forth to work for the last 3 weeks.
> The insurance companies are being extremely uncooperative and taking
> their time at my expense. I'm feeling like I'm being taken advantage
> of at someone else's expense. My car was parked in front of my home
> when it was hit, I can't understand why I am being treated like I did
> something wrong. Any legal information or advice would be greatly
> appreciated on how to pursue this. Thank you all in advance.
>
> I feel that Geico and myself should not be responsible for the damage,
> since I was in no way at fault or involved with this accident. I was
> simply parked in front of my home and it's been 3 weeks and no one has
> come to even look at the car.
local paper or a local TV station you might try to get them involved to
help resolve the problem.
I'm sure the threat of negative publicity in the press or on the air would
motivate a
settlement. Good Luck..
> Hello All,
> I apologize for the cross posting but I am need of some serious
> experienced advice before I take another step with the insurance
> companies. I'll get right to it and try the best I can to stick to the
> facts and not give my opinions. Here are some details I hope can help
> assist you with offering some sound advice with dealing with these
> insurance companies and adjusters. I live in Baltimore, MD and still
> have comprehensive coverage on my car (no collision). My car was paid
> in full and had a blue book vale of 9400. It was a Pre Owned Certified
> vehicle. My insurance company is Geico.
>
> There was a six car accident in front of my home. Of the six cars, 3
> of them were parked on the side of the street, the other 3 were in
> motion driving down the street. I heard the accident when it happened
> when I was at home. I will refer to the 3 cars in motion as car # 1 -
> 3. The parked cars I will refer to as cars # 4 - 6. My car will be #
> 4. From the investigation of the scene car # 1 struck car # 2 in the
> rear, the impact caused car # 2 to spin out of control and hit moving
> car # 3 (which was in front of car # 2) and car # 2 hit all 3 parked
> cars # 4-6. Car # 4, my car was the 1st car that was hit upon impact
> from
> car # 2, and it hit (and totalled) car # 5 and car # 6 just had minor
> rear damage to the trunk and bumper. My car driver side door is so
> smashed in it cannot be opened and the rim on the passenger sidewas
> damaged by the impact being parked next to the curb. I'm worried about
> unseen damage since car # 5 was totalled and it was the 2nd car hit by
> car # 2. I can only imagine what has happened to my vehicle.
>
> The officers at the scene told us since there was so much damage and
> ambulances at the scene that they would gather all the information. I
> gather all information I could from the scene - car models,plates,
> colors, # of passengers, etc. I gave all necessary information and
> spoke the officers, the officer said car # 1 was responsible for
> setting in motion the car accident. I got a copy of the police report
> as told by my insurance company and the police officer. The police
> report has car # 1 driver in their own writing and signature stating
> that he slammed his brakes and struck car # 2 in the rear and that car
> # 2 had hit all the parked cars. The driver of car # 2 was taken to
> the hospital and has no statement on file.
>
> Now at this point, this is where it gets odd. Car # 1, who is insured
> with State Farm, is saying that car #2 cut him off and that is the
> fault of car #2 for the accident. Car # 1 admits fault to hitting the
> rear of car # 2, but that is was car # 2 fault for cutting him off
> that caused the accident. The State Farm adjust has been less than
> cooperable with helping expedite this process. The adjuster said that
> car # 1 said there was "misunderstanding" with the police report and
> that car # 1 driver said he didn't agree with the police report
> (which he wrote and signed himself) and that they needed to get a hold
> of the officer who filed the report to get it cleared up. In Maryland,
> I thought it was not possible to change a police report once it has
> been filed. I let them do that, as expected no change. Now the State
> Farm adjuster refuses to look at my car or assume liabity at all for
> the accident. The adjuster tells me he is going to issue a letter of
> denial for liability next week. As for car # 2, which is the car that
> impacted with my car, I wasn't even listed on their claim and they
> didn't have a copy of the police report. I faxed them over a copy of
> the police report and they updated their info. Car # 2's insurer said
> an adjuster was going to look at my car and that they would call to
> set an appointment to look at the car. but that has not been
> confirmed. Now, car # 2's insurer is going to send a letter of denial
> for liability because car #1's insurer is doing the same. This where
> my dilemna comes in, because of my insurance coverage with Geico I
> cannot claim underinsured motorist damage without a liable party. With
> both car #1 and car # 2 about to deny any liability for this accident,
> I'm without a car since technically there is no one underinsured to
> accept responsibility for the damage to my parked car.
>
> Please, I hope someone can help me with this, I'd rather not go to
> court and I'm just looking to get my car back to the way it was. I
> have been riding my bike back and forth to work for the last 3 weeks.
> The insurance companies are being extremely uncooperative and taking
> their time at my expense. I'm feeling like I'm being taken advantage
> of at someone else's expense. My car was parked in front of my home
> when it was hit, I can't understand why I am being treated like I did
> something wrong. Any legal information or advice would be greatly
> appreciated on how to pursue this. Thank you all in advance.
>
> I feel that Geico and myself should not be responsible for the damage,
> since I was in no way at fault or involved with this accident. I was
> simply parked in front of my home and it's been 3 weeks and no one has
> come to even look at the car.
04-17-2004 | 05:38 PM
#7
Guest
Posts: n/a
Re: HELP My Parked Car Was Hit - Insurance Not Making Sense - NoFault
InsuranceHelp2004 wrote:
> confirmed. Now, car # 2's insurer is going to send a letter of denial
> for liability because car #1's insurer is doing the same. This where
> my dilemna comes in, because of my insurance coverage with Geico I
> cannot claim underinsured motorist damage without a liable party. With
> both car #1 and car # 2 about to deny any liability for this accident,
> I'm without a car since technically there is no one underinsured to
> accept responsibility for the damage to my parked car.
Court. Judge will decide which is actually at fault.
Eventually oe will be declared at fault, then you get to make a claim.
Hopefully this won't take more than 2-3 months.
> confirmed. Now, car # 2's insurer is going to send a letter of denial
> for liability because car #1's insurer is doing the same. This where
> my dilemna comes in, because of my insurance coverage with Geico I
> cannot claim underinsured motorist damage without a liable party. With
> both car #1 and car # 2 about to deny any liability for this accident,
> I'm without a car since technically there is no one underinsured to
> accept responsibility for the damage to my parked car.
Court. Judge will decide which is actually at fault.
Eventually oe will be declared at fault, then you get to make a claim.
Hopefully this won't take more than 2-3 months.
04-17-2004 | 06:16 PM
#8
Guest
Posts: n/a
Re: HELP My Parked Car Was Hit - Insurance Not Making Sense - NoFault
InsuranceHelp2004 wrote:
> Hello All,
> I apologize for the cross posting but I am need of some serious
> experienced advice before I take another step with the insurance
> companies. I'll get right to it and try the best I can to stick to the
> facts and not give my opinions. Here are some details I hope can help
> assist you with offering some sound advice with dealing with these
> insurance companies and adjusters. I live in Baltimore, MD and still
> have comprehensive coverage on my car (no collision). My car was paid
> in full and had a blue book vale of 9400. It was a Pre Owned Certified
> vehicle. My insurance company is Geico.
>
> There was a six car accident in front of my home. Of the six cars, 3
> of them were parked on the side of the street, the other 3 were in
> motion driving down the street. I heard the accident when it happened
> when I was at home. I will refer to the 3 cars in motion as car # 1 -
> 3. The parked cars I will refer to as cars # 4 - 6. My car will be #
> 4. From the investigation of the scene car # 1 struck car # 2 in the
> rear, the impact caused car # 2 to spin out of control and hit moving
> car # 3 (which was in front of car # 2) and car # 2 hit all 3 parked
> cars # 4-6. Car # 4, my car was the 1st car that was hit upon impact
> from
> car # 2, and it hit (and totalled) car # 5 and car # 6 just had minor
> rear damage to the trunk and bumper. My car driver side door is so
> smashed in it cannot be opened and the rim on the passenger sidewas
> damaged by the impact being parked next to the curb. I'm worried about
> unseen damage since car # 5 was totalled and it was the 2nd car hit by
> car # 2. I can only imagine what has happened to my vehicle.
>
> The officers at the scene told us since there was so much damage and
> ambulances at the scene that they would gather all the information. I
> gather all information I could from the scene - car models,plates,
> colors, # of passengers, etc. I gave all necessary information and
> spoke the officers, the officer said car # 1 was responsible for
> setting in motion the car accident. I got a copy of the police report
> as told by my insurance company and the police officer. The police
> report has car # 1 driver in their own writing and signature stating
> that he slammed his brakes and struck car # 2 in the rear and that car
> # 2 had hit all the parked cars. The driver of car # 2 was taken to
> the hospital and has no statement on file.
>
> Now at this point, this is where it gets odd. Car # 1, who is insured
> with State Farm, is saying that car #2 cut him off and that is the
> fault of car #2 for the accident. Car # 1 admits fault to hitting the
> rear of car # 2, but that is was car # 2 fault for cutting him off
> that caused the accident. The State Farm adjust has been less than
> cooperable with helping expedite this process. The adjuster said that
> car # 1 said there was "misunderstanding" with the police report and
> that car # 1 driver said he didn't agree with the police report
> (which he wrote and signed himself) and that they needed to get a hold
> of the officer who filed the report to get it cleared up. In Maryland,
> I thought it was not possible to change a police report once it has
> been filed. I let them do that, as expected no change. Now the State
> Farm adjuster refuses to look at my car or assume liabity at all for
> the accident. The adjuster tells me he is going to issue a letter of
> denial for liability next week. As for car # 2, which is the car that
> impacted with my car, I wasn't even listed on their claim and they
> didn't have a copy of the police report. I faxed them over a copy of
> the police report and they updated their info. Car # 2's insurer said
> an adjuster was going to look at my car and that they would call to
> set an appointment to look at the car. but that has not been
> confirmed. Now, car # 2's insurer is going to send a letter of denial
> for liability because car #1's insurer is doing the same. This where
> my dilemna comes in, because of my insurance coverage with Geico I
> cannot claim underinsured motorist damage without a liable party. With
> both car #1 and car # 2 about to deny any liability for this accident,
> I'm without a car since technically there is no one underinsured to
> accept responsibility for the damage to my parked car.
>
> Please, I hope someone can help me with this, I'd rather not go to
> court and I'm just looking to get my car back to the way it was. I
> have been riding my bike back and forth to work for the last 3 weeks.
> The insurance companies are being extremely uncooperative and taking
> their time at my expense. I'm feeling like I'm being taken advantage
> of at someone else's expense. My car was parked in front of my home
> when it was hit, I can't understand why I am being treated like I did
> something wrong. Any legal information or advice would be greatly
> appreciated on how to pursue this. Thank you all in advance.
>
> I feel that Geico and myself should not be responsible for the damage,
> since I was in no way at fault or involved with this accident. I was
> simply parked in front of my home and it's been 3 weeks and no one has
> come to even look at the car.
Hi,
Going to court or not is not an issue, No matter what, your insurance is
obliged to work on behalf of you. You don't need your own lawyer, your
insurance company has it's own lawyer for cases like this. Not matter
what, you're the victim if your car was parked on the street where
parking is allowed. I think your insurnace has to fix your car and get
the cost from the other insurance companies.
Similar thing happened to me some years ago and my insurance company
exactly did that for me.
Tony
> Hello All,
> I apologize for the cross posting but I am need of some serious
> experienced advice before I take another step with the insurance
> companies. I'll get right to it and try the best I can to stick to the
> facts and not give my opinions. Here are some details I hope can help
> assist you with offering some sound advice with dealing with these
> insurance companies and adjusters. I live in Baltimore, MD and still
> have comprehensive coverage on my car (no collision). My car was paid
> in full and had a blue book vale of 9400. It was a Pre Owned Certified
> vehicle. My insurance company is Geico.
>
> There was a six car accident in front of my home. Of the six cars, 3
> of them were parked on the side of the street, the other 3 were in
> motion driving down the street. I heard the accident when it happened
> when I was at home. I will refer to the 3 cars in motion as car # 1 -
> 3. The parked cars I will refer to as cars # 4 - 6. My car will be #
> 4. From the investigation of the scene car # 1 struck car # 2 in the
> rear, the impact caused car # 2 to spin out of control and hit moving
> car # 3 (which was in front of car # 2) and car # 2 hit all 3 parked
> cars # 4-6. Car # 4, my car was the 1st car that was hit upon impact
> from
> car # 2, and it hit (and totalled) car # 5 and car # 6 just had minor
> rear damage to the trunk and bumper. My car driver side door is so
> smashed in it cannot be opened and the rim on the passenger sidewas
> damaged by the impact being parked next to the curb. I'm worried about
> unseen damage since car # 5 was totalled and it was the 2nd car hit by
> car # 2. I can only imagine what has happened to my vehicle.
>
> The officers at the scene told us since there was so much damage and
> ambulances at the scene that they would gather all the information. I
> gather all information I could from the scene - car models,plates,
> colors, # of passengers, etc. I gave all necessary information and
> spoke the officers, the officer said car # 1 was responsible for
> setting in motion the car accident. I got a copy of the police report
> as told by my insurance company and the police officer. The police
> report has car # 1 driver in their own writing and signature stating
> that he slammed his brakes and struck car # 2 in the rear and that car
> # 2 had hit all the parked cars. The driver of car # 2 was taken to
> the hospital and has no statement on file.
>
> Now at this point, this is where it gets odd. Car # 1, who is insured
> with State Farm, is saying that car #2 cut him off and that is the
> fault of car #2 for the accident. Car # 1 admits fault to hitting the
> rear of car # 2, but that is was car # 2 fault for cutting him off
> that caused the accident. The State Farm adjust has been less than
> cooperable with helping expedite this process. The adjuster said that
> car # 1 said there was "misunderstanding" with the police report and
> that car # 1 driver said he didn't agree with the police report
> (which he wrote and signed himself) and that they needed to get a hold
> of the officer who filed the report to get it cleared up. In Maryland,
> I thought it was not possible to change a police report once it has
> been filed. I let them do that, as expected no change. Now the State
> Farm adjuster refuses to look at my car or assume liabity at all for
> the accident. The adjuster tells me he is going to issue a letter of
> denial for liability next week. As for car # 2, which is the car that
> impacted with my car, I wasn't even listed on their claim and they
> didn't have a copy of the police report. I faxed them over a copy of
> the police report and they updated their info. Car # 2's insurer said
> an adjuster was going to look at my car and that they would call to
> set an appointment to look at the car. but that has not been
> confirmed. Now, car # 2's insurer is going to send a letter of denial
> for liability because car #1's insurer is doing the same. This where
> my dilemna comes in, because of my insurance coverage with Geico I
> cannot claim underinsured motorist damage without a liable party. With
> both car #1 and car # 2 about to deny any liability for this accident,
> I'm without a car since technically there is no one underinsured to
> accept responsibility for the damage to my parked car.
>
> Please, I hope someone can help me with this, I'd rather not go to
> court and I'm just looking to get my car back to the way it was. I
> have been riding my bike back and forth to work for the last 3 weeks.
> The insurance companies are being extremely uncooperative and taking
> their time at my expense. I'm feeling like I'm being taken advantage
> of at someone else's expense. My car was parked in front of my home
> when it was hit, I can't understand why I am being treated like I did
> something wrong. Any legal information or advice would be greatly
> appreciated on how to pursue this. Thank you all in advance.
>
> I feel that Geico and myself should not be responsible for the damage,
> since I was in no way at fault or involved with this accident. I was
> simply parked in front of my home and it's been 3 weeks and no one has
> come to even look at the car.
Hi,
Going to court or not is not an issue, No matter what, your insurance is
obliged to work on behalf of you. You don't need your own lawyer, your
insurance company has it's own lawyer for cases like this. Not matter
what, you're the victim if your car was parked on the street where
parking is allowed. I think your insurnace has to fix your car and get
the cost from the other insurance companies.
Similar thing happened to me some years ago and my insurance company
exactly did that for me.
Tony
04-17-2004 | 07:44 PM
#9
Guest
Posts: n/a
Re: HELP My Parked Car Was Hit - Insurance Not Making Sense - No Fault
On Sat, 17 Apr 2004 17:10:03 GMT, "mike" <mikein562athotmail@hotmail.com>
wrote:
>
>
>> I feel that Geico and myself should not be responsible for the damage,
>> since I was in no way at fault or involved with this accident. I was
>> simply parked in front of my home and it's been 3 weeks and no one has
>> come to even look at the car.
>
>geico should come, look at your car, and try to sort everything out. thats
>what *they* are being paid for.
Hmmm, are you sure about that? The last time someone whacked my car, in a
parking lot, and ran, my insurance classed it as a collision... meaning I
had to pay the higher deductible I had on collision insurance vs.
comprehensive. The OP says he has no collision insurance so I'd expect
Geico to simply say "not our problem".
Rgds, George Macdonald
"Just because they're paranoid doesn't mean you're not psychotic" - Who, me??
wrote:
>
>
>> I feel that Geico and myself should not be responsible for the damage,
>> since I was in no way at fault or involved with this accident. I was
>> simply parked in front of my home and it's been 3 weeks and no one has
>> come to even look at the car.
>
>geico should come, look at your car, and try to sort everything out. thats
>what *they* are being paid for.
Hmmm, are you sure about that? The last time someone whacked my car, in a
parking lot, and ran, my insurance classed it as a collision... meaning I
had to pay the higher deductible I had on collision insurance vs.
comprehensive. The OP says he has no collision insurance so I'd expect
Geico to simply say "not our problem".
Rgds, George Macdonald
"Just because they're paranoid doesn't mean you're not psychotic" - Who, me??
04-17-2004 | 10:39 PM
#10
Guest
Posts: n/a
Re: HELP My Parked Car Was Hit - Insurance Not Making Sense - No Fault
George Macdonald wrote:
> On Sat, 17 Apr 2004 17:10:03 GMT, "mike"
> <mikein562athotmail@hotmail.com> wrote:
>
>>
>>
>>> I feel that Geico and myself should not be responsible for the
>>> damage, since I was in no way at fault or involved with this
>>> accident. I was simply parked in front of my home and it's been 3
>>> weeks and no one has come to even look at the car.
>>
>> geico should come, look at your car, and try to sort everything out.
>> thats what *they* are being paid for.
>
> Hmmm, are you sure about that? The last time someone whacked my car,
> in a parking lot, and ran, my insurance classed it as a collision...
> meaning I had to pay the higher deductible I had on collision
> insurance vs. comprehensive. The OP says he has no collision
> insurance so I'd expect Geico to simply say "not our problem".
>
> Rgds, George Macdonald
>
> "Just because they're paranoid doesn't mean you're not psychotic" -
> Who, me??
Someone hit and ran my 2002 civic. I called the insurance company, worked
out the details, had them mail me a statement of no fault on my part (non
chargeable), and they took care of everything.
> On Sat, 17 Apr 2004 17:10:03 GMT, "mike"
> <mikein562athotmail@hotmail.com> wrote:
>
>>
>>
>>> I feel that Geico and myself should not be responsible for the
>>> damage, since I was in no way at fault or involved with this
>>> accident. I was simply parked in front of my home and it's been 3
>>> weeks and no one has come to even look at the car.
>>
>> geico should come, look at your car, and try to sort everything out.
>> thats what *they* are being paid for.
>
> Hmmm, are you sure about that? The last time someone whacked my car,
> in a parking lot, and ran, my insurance classed it as a collision...
> meaning I had to pay the higher deductible I had on collision
> insurance vs. comprehensive. The OP says he has no collision
> insurance so I'd expect Geico to simply say "not our problem".
>
> Rgds, George Macdonald
>
> "Just because they're paranoid doesn't mean you're not psychotic" -
> Who, me??
Someone hit and ran my 2002 civic. I called the insurance company, worked
out the details, had them mail me a statement of no fault on my part (non
chargeable), and they took care of everything.
04-17-2004 | 11:09 PM
#11
Guest
Posts: n/a
Re: HELP My Parked Car Was Hit - Insurance Not Making Sense - No Fault
File suit immediately naming Car #1 and Car #2 - they will be shocked into
complaining to their Insurance carriers to make you go away so they don't
have to go to court and face it.
"InsuranceHelp2004" <insurancehelp2004@yahoo.com> wrote in message
news:71f632b0.0404170844.67697a6f@posting.google.c om...
> Hello All,
> I apologize for the cross posting but I am need of some serious
> experienced advice before I take another step with the insurance
> companies. I'll get right to it and try the best I can to stick to the
> facts and not give my opinions. Here are some details I hope can help
> assist you with offering some sound advice with dealing with these
> insurance companies and adjusters. I live in Baltimore, MD and still
> have comprehensive coverage on my car (no collision). My car was paid
> in full and had a blue book vale of 9400. It was a Pre Owned Certified
> vehicle. My insurance company is Geico.
>
> There was a six car accident in front of my home. Of the six cars, 3
> of them were parked on the side of the street, the other 3 were in
> motion driving down the street. I heard the accident when it happened
> when I was at home. I will refer to the 3 cars in motion as car # 1 -
> 3. The parked cars I will refer to as cars # 4 - 6. My car will be #
> 4. From the investigation of the scene car # 1 struck car # 2 in the
> rear, the impact caused car # 2 to spin out of control and hit moving
> car # 3 (which was in front of car # 2) and car # 2 hit all 3 parked
> cars # 4-6. Car # 4, my car was the 1st car that was hit upon impact
> from
> car # 2, and it hit (and totalled) car # 5 and car # 6 just had minor
> rear damage to the trunk and bumper. My car driver side door is so
> smashed in it cannot be opened and the rim on the passenger sidewas
> damaged by the impact being parked next to the curb. I'm worried about
> unseen damage since car # 5 was totalled and it was the 2nd car hit by
> car # 2. I can only imagine what has happened to my vehicle.
>
> The officers at the scene told us since there was so much damage and
> ambulances at the scene that they would gather all the information. I
> gather all information I could from the scene - car models,plates,
> colors, # of passengers, etc. I gave all necessary information and
> spoke the officers, the officer said car # 1 was responsible for
> setting in motion the car accident. I got a copy of the police report
> as told by my insurance company and the police officer. The police
> report has car # 1 driver in their own writing and signature stating
> that he slammed his brakes and struck car # 2 in the rear and that car
> # 2 had hit all the parked cars. The driver of car # 2 was taken to
> the hospital and has no statement on file.
>
> Now at this point, this is where it gets odd. Car # 1, who is insured
> with State Farm, is saying that car #2 cut him off and that is the
> fault of car #2 for the accident. Car # 1 admits fault to hitting the
> rear of car # 2, but that is was car # 2 fault for cutting him off
> that caused the accident. The State Farm adjust has been less than
> cooperable with helping expedite this process. The adjuster said that
> car # 1 said there was "misunderstanding" with the police report and
> that car # 1 driver said he didn't agree with the police report
> (which he wrote and signed himself) and that they needed to get a hold
> of the officer who filed the report to get it cleared up. In Maryland,
> I thought it was not possible to change a police report once it has
> been filed. I let them do that, as expected no change. Now the State
> Farm adjuster refuses to look at my car or assume liabity at all for
> the accident. The adjuster tells me he is going to issue a letter of
> denial for liability next week. As for car # 2, which is the car that
> impacted with my car, I wasn't even listed on their claim and they
> didn't have a copy of the police report. I faxed them over a copy of
> the police report and they updated their info. Car # 2's insurer said
> an adjuster was going to look at my car and that they would call to
> set an appointment to look at the car. but that has not been
> confirmed. Now, car # 2's insurer is going to send a letter of denial
> for liability because car #1's insurer is doing the same. This where
> my dilemna comes in, because of my insurance coverage with Geico I
> cannot claim underinsured motorist damage without a liable party. With
> both car #1 and car # 2 about to deny any liability for this accident,
> I'm without a car since technically there is no one underinsured to
> accept responsibility for the damage to my parked car.
>
> Please, I hope someone can help me with this, I'd rather not go to
> court and I'm just looking to get my car back to the way it was. I
> have been riding my bike back and forth to work for the last 3 weeks.
> The insurance companies are being extremely uncooperative and taking
> their time at my expense. I'm feeling like I'm being taken advantage
> of at someone else's expense. My car was parked in front of my home
> when it was hit, I can't understand why I am being treated like I did
> something wrong. Any legal information or advice would be greatly
> appreciated on how to pursue this. Thank you all in advance.
>
> I feel that Geico and myself should not be responsible for the damage,
> since I was in no way at fault or involved with this accident. I was
> simply parked in front of my home and it's been 3 weeks and no one has
> come to even look at the car.
complaining to their Insurance carriers to make you go away so they don't
have to go to court and face it.
"InsuranceHelp2004" <insurancehelp2004@yahoo.com> wrote in message
news:71f632b0.0404170844.67697a6f@posting.google.c om...
> Hello All,
> I apologize for the cross posting but I am need of some serious
> experienced advice before I take another step with the insurance
> companies. I'll get right to it and try the best I can to stick to the
> facts and not give my opinions. Here are some details I hope can help
> assist you with offering some sound advice with dealing with these
> insurance companies and adjusters. I live in Baltimore, MD and still
> have comprehensive coverage on my car (no collision). My car was paid
> in full and had a blue book vale of 9400. It was a Pre Owned Certified
> vehicle. My insurance company is Geico.
>
> There was a six car accident in front of my home. Of the six cars, 3
> of them were parked on the side of the street, the other 3 were in
> motion driving down the street. I heard the accident when it happened
> when I was at home. I will refer to the 3 cars in motion as car # 1 -
> 3. The parked cars I will refer to as cars # 4 - 6. My car will be #
> 4. From the investigation of the scene car # 1 struck car # 2 in the
> rear, the impact caused car # 2 to spin out of control and hit moving
> car # 3 (which was in front of car # 2) and car # 2 hit all 3 parked
> cars # 4-6. Car # 4, my car was the 1st car that was hit upon impact
> from
> car # 2, and it hit (and totalled) car # 5 and car # 6 just had minor
> rear damage to the trunk and bumper. My car driver side door is so
> smashed in it cannot be opened and the rim on the passenger sidewas
> damaged by the impact being parked next to the curb. I'm worried about
> unseen damage since car # 5 was totalled and it was the 2nd car hit by
> car # 2. I can only imagine what has happened to my vehicle.
>
> The officers at the scene told us since there was so much damage and
> ambulances at the scene that they would gather all the information. I
> gather all information I could from the scene - car models,plates,
> colors, # of passengers, etc. I gave all necessary information and
> spoke the officers, the officer said car # 1 was responsible for
> setting in motion the car accident. I got a copy of the police report
> as told by my insurance company and the police officer. The police
> report has car # 1 driver in their own writing and signature stating
> that he slammed his brakes and struck car # 2 in the rear and that car
> # 2 had hit all the parked cars. The driver of car # 2 was taken to
> the hospital and has no statement on file.
>
> Now at this point, this is where it gets odd. Car # 1, who is insured
> with State Farm, is saying that car #2 cut him off and that is the
> fault of car #2 for the accident. Car # 1 admits fault to hitting the
> rear of car # 2, but that is was car # 2 fault for cutting him off
> that caused the accident. The State Farm adjust has been less than
> cooperable with helping expedite this process. The adjuster said that
> car # 1 said there was "misunderstanding" with the police report and
> that car # 1 driver said he didn't agree with the police report
> (which he wrote and signed himself) and that they needed to get a hold
> of the officer who filed the report to get it cleared up. In Maryland,
> I thought it was not possible to change a police report once it has
> been filed. I let them do that, as expected no change. Now the State
> Farm adjuster refuses to look at my car or assume liabity at all for
> the accident. The adjuster tells me he is going to issue a letter of
> denial for liability next week. As for car # 2, which is the car that
> impacted with my car, I wasn't even listed on their claim and they
> didn't have a copy of the police report. I faxed them over a copy of
> the police report and they updated their info. Car # 2's insurer said
> an adjuster was going to look at my car and that they would call to
> set an appointment to look at the car. but that has not been
> confirmed. Now, car # 2's insurer is going to send a letter of denial
> for liability because car #1's insurer is doing the same. This where
> my dilemna comes in, because of my insurance coverage with Geico I
> cannot claim underinsured motorist damage without a liable party. With
> both car #1 and car # 2 about to deny any liability for this accident,
> I'm without a car since technically there is no one underinsured to
> accept responsibility for the damage to my parked car.
>
> Please, I hope someone can help me with this, I'd rather not go to
> court and I'm just looking to get my car back to the way it was. I
> have been riding my bike back and forth to work for the last 3 weeks.
> The insurance companies are being extremely uncooperative and taking
> their time at my expense. I'm feeling like I'm being taken advantage
> of at someone else's expense. My car was parked in front of my home
> when it was hit, I can't understand why I am being treated like I did
> something wrong. Any legal information or advice would be greatly
> appreciated on how to pursue this. Thank you all in advance.
>
> I feel that Geico and myself should not be responsible for the damage,
> since I was in no way at fault or involved with this accident. I was
> simply parked in front of my home and it's been 3 weeks and no one has
> come to even look at the car.
04-18-2004 | 03:21 AM
#12
Guest
Posts: n/a
Re: HELP My Parked Car Was Hit - Insurance Not Making Sense - No Fault
I'll be short and brief....my answer is based upon Calif interpretations,
but should be similar.
1) Since you did not purchase collision coverage, GEICO has no obligation
to particiapte in damages to your car. Yes, you bought insurance, but you
did not opt to purchase collision covergae, the coverage needed to pay this
claim, therefore GEICO has no duty to respond.
2) Underinsured Motorist refers to Bodily Injury caused buy someone who
carries lower liability limits than yourself...it does not cover property
damage.
3) In Calif, there is coverage for Uninsured Motorist Property Damage which
customarily provides a $3500 limit, however, since both parties have
insurance, this coverage does not come into play.
4) As another poster indicated, you will have to go to court. Maybe small
claims court, depending opon the level of damages and the maximum you can
file in Md. To protect yourself, you will need to name both parties...but
since small claims is more liberal than traditional court, it sounds like
your judgement may come from party #1 since the police report indicates he
rear ended the OP. You didn't say he accepted liability for causing the
accident, as party #2 could have been responsible by making an unsafe lane
change in front of party #1 His insurance carrier (State Farm) would
definitely want to investigate this possible scenario to minimaize or
eliminate their liability for damages and injuries, which is why its going
very slowly.
5) You can also complain to the state insurance commissioner for State
Farm's unwillingness to process your claim. State Farm does have te right
to protect their interests in investigating the claim to protect their
interests though.
Had you bought collision coverage, you could have transferred the assumption
of risk to GEICO, however you will have to bear this assumption as you self
insured the collision coverage.
Sorry to hear of your misfortune, but there is no easy way to solve your
dilemma very quickly, unfortunately. And it will take lots of your time to
deal with this. Its one thing not to buy collision coverage on a $3,000
vehicle, but its not a wise move on a $9,000 vehicle. Also, FWIW, insurance
carriers don't use blook book in valuation of cars. They use a process that
tracks actual sales prices of your vehicle within a radius using dealers,
private party info, and dmv sales records, much like a real estate appraisal
is done.
"InsuranceHelp2004" <insurancehelp2004@yahoo.com> wrote in message
news:71f632b0.0404170844.67697a6f@posting.google.c om...
> Hello All,
> I apologize for the cross posting but I am need of some serious
> experienced advice before I take another step with the insurance
> companies. I'll get right to it and try the best I can to stick to the
> facts and not give my opinions. Here are some details I hope can help
> assist you with offering some sound advice with dealing with these
> insurance companies and adjusters. I live in Baltimore, MD and still
> have comprehensive coverage on my car (no collision). My car was paid
> in full and had a blue book vale of 9400. It was a Pre Owned Certified
> vehicle. My insurance company is Geico.
>
> There was a six car accident in front of my home. Of the six cars, 3
> of them were parked on the side of the street, the other 3 were in
> motion driving down the street. I heard the accident when it happened
> when I was at home. I will refer to the 3 cars in motion as car # 1 -
> 3. The parked cars I will refer to as cars # 4 - 6. My car will be #
> 4. From the investigation of the scene car # 1 struck car # 2 in the
> rear, the impact caused car # 2 to spin out of control and hit moving
> car # 3 (which was in front of car # 2) and car # 2 hit all 3 parked
> cars # 4-6. Car # 4, my car was the 1st car that was hit upon impact
> from
> car # 2, and it hit (and totalled) car # 5 and car # 6 just had minor
> rear damage to the trunk and bumper. My car driver side door is so
> smashed in it cannot be opened and the rim on the passenger sidewas
> damaged by the impact being parked next to the curb. I'm worried about
> unseen damage since car # 5 was totalled and it was the 2nd car hit by
> car # 2. I can only imagine what has happened to my vehicle.
>
> The officers at the scene told us since there was so much damage and
> ambulances at the scene that they would gather all the information. I
> gather all information I could from the scene - car models,plates,
> colors, # of passengers, etc. I gave all necessary information and
> spoke the officers, the officer said car # 1 was responsible for
> setting in motion the car accident. I got a copy of the police report
> as told by my insurance company and the police officer. The police
> report has car # 1 driver in their own writing and signature stating
> that he slammed his brakes and struck car # 2 in the rear and that car
> # 2 had hit all the parked cars. The driver of car # 2 was taken to
> the hospital and has no statement on file.
>
> Now at this point, this is where it gets odd. Car # 1, who is insured
> with State Farm, is saying that car #2 cut him off and that is the
> fault of car #2 for the accident. Car # 1 admits fault to hitting the
> rear of car # 2, but that is was car # 2 fault for cutting him off
> that caused the accident. The State Farm adjust has been less than
> cooperable with helping expedite this process. The adjuster said that
> car # 1 said there was "misunderstanding" with the police report and
> that car # 1 driver said he didn't agree with the police report
> (which he wrote and signed himself) and that they needed to get a hold
> of the officer who filed the report to get it cleared up. In Maryland,
> I thought it was not possible to change a police report once it has
> been filed. I let them do that, as expected no change. Now the State
> Farm adjuster refuses to look at my car or assume liabity at all for
> the accident. The adjuster tells me he is going to issue a letter of
> denial for liability next week. As for car # 2, which is the car that
> impacted with my car, I wasn't even listed on their claim and they
> didn't have a copy of the police report. I faxed them over a copy of
> the police report and they updated their info. Car # 2's insurer said
> an adjuster was going to look at my car and that they would call to
> set an appointment to look at the car. but that has not been
> confirmed. Now, car # 2's insurer is going to send a letter of denial
> for liability because car #1's insurer is doing the same. This where
> my dilemna comes in, because of my insurance coverage with Geico I
> cannot claim underinsured motorist damage without a liable party. With
> both car #1 and car # 2 about to deny any liability for this accident,
> I'm without a car since technically there is no one underinsured to
> accept responsibility for the damage to my parked car.
>
> Please, I hope someone can help me with this, I'd rather not go to
> court and I'm just looking to get my car back to the way it was. I
> have been riding my bike back and forth to work for the last 3 weeks.
> The insurance companies are being extremely uncooperative and taking
> their time at my expense. I'm feeling like I'm being taken advantage
> of at someone else's expense. My car was parked in front of my home
> when it was hit, I can't understand why I am being treated like I did
> something wrong. Any legal information or advice would be greatly
> appreciated on how to pursue this. Thank you all in advance.
>
> I feel that Geico and myself should not be responsible for the damage,
> since I was in no way at fault or involved with this accident. I was
> simply parked in front of my home and it's been 3 weeks and no one has
> come to even look at the car.
but should be similar.
1) Since you did not purchase collision coverage, GEICO has no obligation
to particiapte in damages to your car. Yes, you bought insurance, but you
did not opt to purchase collision covergae, the coverage needed to pay this
claim, therefore GEICO has no duty to respond.
2) Underinsured Motorist refers to Bodily Injury caused buy someone who
carries lower liability limits than yourself...it does not cover property
damage.
3) In Calif, there is coverage for Uninsured Motorist Property Damage which
customarily provides a $3500 limit, however, since both parties have
insurance, this coverage does not come into play.
4) As another poster indicated, you will have to go to court. Maybe small
claims court, depending opon the level of damages and the maximum you can
file in Md. To protect yourself, you will need to name both parties...but
since small claims is more liberal than traditional court, it sounds like
your judgement may come from party #1 since the police report indicates he
rear ended the OP. You didn't say he accepted liability for causing the
accident, as party #2 could have been responsible by making an unsafe lane
change in front of party #1 His insurance carrier (State Farm) would
definitely want to investigate this possible scenario to minimaize or
eliminate their liability for damages and injuries, which is why its going
very slowly.
5) You can also complain to the state insurance commissioner for State
Farm's unwillingness to process your claim. State Farm does have te right
to protect their interests in investigating the claim to protect their
interests though.
Had you bought collision coverage, you could have transferred the assumption
of risk to GEICO, however you will have to bear this assumption as you self
insured the collision coverage.
Sorry to hear of your misfortune, but there is no easy way to solve your
dilemma very quickly, unfortunately. And it will take lots of your time to
deal with this. Its one thing not to buy collision coverage on a $3,000
vehicle, but its not a wise move on a $9,000 vehicle. Also, FWIW, insurance
carriers don't use blook book in valuation of cars. They use a process that
tracks actual sales prices of your vehicle within a radius using dealers,
private party info, and dmv sales records, much like a real estate appraisal
is done.
"InsuranceHelp2004" <insurancehelp2004@yahoo.com> wrote in message
news:71f632b0.0404170844.67697a6f@posting.google.c om...
> Hello All,
> I apologize for the cross posting but I am need of some serious
> experienced advice before I take another step with the insurance
> companies. I'll get right to it and try the best I can to stick to the
> facts and not give my opinions. Here are some details I hope can help
> assist you with offering some sound advice with dealing with these
> insurance companies and adjusters. I live in Baltimore, MD and still
> have comprehensive coverage on my car (no collision). My car was paid
> in full and had a blue book vale of 9400. It was a Pre Owned Certified
> vehicle. My insurance company is Geico.
>
> There was a six car accident in front of my home. Of the six cars, 3
> of them were parked on the side of the street, the other 3 were in
> motion driving down the street. I heard the accident when it happened
> when I was at home. I will refer to the 3 cars in motion as car # 1 -
> 3. The parked cars I will refer to as cars # 4 - 6. My car will be #
> 4. From the investigation of the scene car # 1 struck car # 2 in the
> rear, the impact caused car # 2 to spin out of control and hit moving
> car # 3 (which was in front of car # 2) and car # 2 hit all 3 parked
> cars # 4-6. Car # 4, my car was the 1st car that was hit upon impact
> from
> car # 2, and it hit (and totalled) car # 5 and car # 6 just had minor
> rear damage to the trunk and bumper. My car driver side door is so
> smashed in it cannot be opened and the rim on the passenger sidewas
> damaged by the impact being parked next to the curb. I'm worried about
> unseen damage since car # 5 was totalled and it was the 2nd car hit by
> car # 2. I can only imagine what has happened to my vehicle.
>
> The officers at the scene told us since there was so much damage and
> ambulances at the scene that they would gather all the information. I
> gather all information I could from the scene - car models,plates,
> colors, # of passengers, etc. I gave all necessary information and
> spoke the officers, the officer said car # 1 was responsible for
> setting in motion the car accident. I got a copy of the police report
> as told by my insurance company and the police officer. The police
> report has car # 1 driver in their own writing and signature stating
> that he slammed his brakes and struck car # 2 in the rear and that car
> # 2 had hit all the parked cars. The driver of car # 2 was taken to
> the hospital and has no statement on file.
>
> Now at this point, this is where it gets odd. Car # 1, who is insured
> with State Farm, is saying that car #2 cut him off and that is the
> fault of car #2 for the accident. Car # 1 admits fault to hitting the
> rear of car # 2, but that is was car # 2 fault for cutting him off
> that caused the accident. The State Farm adjust has been less than
> cooperable with helping expedite this process. The adjuster said that
> car # 1 said there was "misunderstanding" with the police report and
> that car # 1 driver said he didn't agree with the police report
> (which he wrote and signed himself) and that they needed to get a hold
> of the officer who filed the report to get it cleared up. In Maryland,
> I thought it was not possible to change a police report once it has
> been filed. I let them do that, as expected no change. Now the State
> Farm adjuster refuses to look at my car or assume liabity at all for
> the accident. The adjuster tells me he is going to issue a letter of
> denial for liability next week. As for car # 2, which is the car that
> impacted with my car, I wasn't even listed on their claim and they
> didn't have a copy of the police report. I faxed them over a copy of
> the police report and they updated their info. Car # 2's insurer said
> an adjuster was going to look at my car and that they would call to
> set an appointment to look at the car. but that has not been
> confirmed. Now, car # 2's insurer is going to send a letter of denial
> for liability because car #1's insurer is doing the same. This where
> my dilemna comes in, because of my insurance coverage with Geico I
> cannot claim underinsured motorist damage without a liable party. With
> both car #1 and car # 2 about to deny any liability for this accident,
> I'm without a car since technically there is no one underinsured to
> accept responsibility for the damage to my parked car.
>
> Please, I hope someone can help me with this, I'd rather not go to
> court and I'm just looking to get my car back to the way it was. I
> have been riding my bike back and forth to work for the last 3 weeks.
> The insurance companies are being extremely uncooperative and taking
> their time at my expense. I'm feeling like I'm being taken advantage
> of at someone else's expense. My car was parked in front of my home
> when it was hit, I can't understand why I am being treated like I did
> something wrong. Any legal information or advice would be greatly
> appreciated on how to pursue this. Thank you all in advance.
>
> I feel that Geico and myself should not be responsible for the damage,
> since I was in no way at fault or involved with this accident. I was
> simply parked in front of my home and it's been 3 weeks and no one has
> come to even look at the car.
04-18-2004 | 07:31 AM
#13
Guest
Posts: n/a
Re: HELP My Parked Car Was Hit - Insurance Not Making Sense - No Fault
I would expect Geico (your insurance company) to be your middle man. It
doesn't seem right that you have to deal with StateFarm. If driver #1 was
charged (usually, if you rear end someone, no matter the reason, you're
guilty) and found guilty. Then the guilty party's insurance has to cover
the damages. If for some unknown reason driver #1 got off and none of the
drivers were found guilty, you don't have a case.
Next time, get collision benefit on your car, unless your car is worthless
and you have backup transportation (bike). On a positive note, at least
you don't have to spend $50/month for a gym membership.
Pars
InsuranceHelp2004 wrote:
> Hello All,
> I apologize for the cross posting but I am need of some serious
> experienced advice before I take another step with the insurance
> companies. I'll get right to it and try the best I can to stick to the
> facts and not give my opinions. Here are some details I hope can help
> assist you with offering some sound advice with dealing with these
> insurance companies and adjusters. I live in Baltimore, MD and still
> have comprehensive coverage on my car (no collision). My car was paid
> in full and had a blue book vale of 9400. It was a Pre Owned Certified
> vehicle. My insurance company is Geico.
>
> There was a six car accident in front of my home. Of the six cars, 3
> of them were parked on the side of the street, the other 3 were in
> motion driving down the street. I heard the accident when it happened
> when I was at home. I will refer to the 3 cars in motion as car # 1 -
> 3. The parked cars I will refer to as cars # 4 - 6. My car will be #
> 4. From the investigation of the scene car # 1 struck car # 2 in the
> rear, the impact caused car # 2 to spin out of control and hit moving
> car # 3 (which was in front of car # 2) and car # 2 hit all 3 parked
> cars # 4-6. Car # 4, my car was the 1st car that was hit upon impact
> from
> car # 2, and it hit (and totalled) car # 5 and car # 6 just had minor
> rear damage to the trunk and bumper. My car driver side door is so
> smashed in it cannot be opened and the rim on the passenger sidewas
> damaged by the impact being parked next to the curb. I'm worried about
> unseen damage since car # 5 was totalled and it was the 2nd car hit by
> car # 2. I can only imagine what has happened to my vehicle.
>
> The officers at the scene told us since there was so much damage and
> ambulances at the scene that they would gather all the information. I
> gather all information I could from the scene - car models,plates,
> colors, # of passengers, etc. I gave all necessary information and
> spoke the officers, the officer said car # 1 was responsible for
> setting in motion the car accident. I got a copy of the police report
> as told by my insurance company and the police officer. The police
> report has car # 1 driver in their own writing and signature stating
> that he slammed his brakes and struck car # 2 in the rear and that car
> # 2 had hit all the parked cars. The driver of car # 2 was taken to
> the hospital and has no statement on file.
>
> Now at this point, this is where it gets odd. Car # 1, who is insured
> with State Farm, is saying that car #2 cut him off and that is the
> fault of car #2 for the accident. Car # 1 admits fault to hitting the
> rear of car # 2, but that is was car # 2 fault for cutting him off
> that caused the accident. The State Farm adjust has been less than
> cooperable with helping expedite this process. The adjuster said that
> car # 1 said there was "misunderstanding" with the police report and
> that car # 1 driver said he didn't agree with the police report
> (which he wrote and signed himself) and that they needed to get a hold
> of the officer who filed the report to get it cleared up. In Maryland,
> I thought it was not possible to change a police report once it has
> been filed. I let them do that, as expected no change. Now the State
> Farm adjuster refuses to look at my car or assume liabity at all for
> the accident. The adjuster tells me he is going to issue a letter of
> denial for liability next week. As for car # 2, which is the car that
> impacted with my car, I wasn't even listed on their claim and they
> didn't have a copy of the police report. I faxed them over a copy of
> the police report and they updated their info. Car # 2's insurer said
> an adjuster was going to look at my car and that they would call to
> set an appointment to look at the car. but that has not been
> confirmed. Now, car # 2's insurer is going to send a letter of denial
> for liability because car #1's insurer is doing the same. This where
> my dilemna comes in, because of my insurance coverage with Geico I
> cannot claim underinsured motorist damage without a liable party. With
> both car #1 and car # 2 about to deny any liability for this accident,
> I'm without a car since technically there is no one underinsured to
> accept responsibility for the damage to my parked car.
>
> Please, I hope someone can help me with this, I'd rather not go to
> court and I'm just looking to get my car back to the way it was. I
> have been riding my bike back and forth to work for the last 3 weeks.
> The insurance companies are being extremely uncooperative and taking
> their time at my expense. I'm feeling like I'm being taken advantage
> of at someone else's expense. My car was parked in front of my home
> when it was hit, I can't understand why I am being treated like I did
> something wrong. Any legal information or advice would be greatly
> appreciated on how to pursue this. Thank you all in advance.
>
> I feel that Geico and myself should not be responsible for the damage,
> since I was in no way at fault or involved with this accident. I was
> simply parked in front of my home and it's been 3 weeks and no one has
> come to even look at the car.
doesn't seem right that you have to deal with StateFarm. If driver #1 was
charged (usually, if you rear end someone, no matter the reason, you're
guilty) and found guilty. Then the guilty party's insurance has to cover
the damages. If for some unknown reason driver #1 got off and none of the
drivers were found guilty, you don't have a case.
Next time, get collision benefit on your car, unless your car is worthless
and you have backup transportation (bike). On a positive note, at least
you don't have to spend $50/month for a gym membership.
Pars
InsuranceHelp2004 wrote:
> Hello All,
> I apologize for the cross posting but I am need of some serious
> experienced advice before I take another step with the insurance
> companies. I'll get right to it and try the best I can to stick to the
> facts and not give my opinions. Here are some details I hope can help
> assist you with offering some sound advice with dealing with these
> insurance companies and adjusters. I live in Baltimore, MD and still
> have comprehensive coverage on my car (no collision). My car was paid
> in full and had a blue book vale of 9400. It was a Pre Owned Certified
> vehicle. My insurance company is Geico.
>
> There was a six car accident in front of my home. Of the six cars, 3
> of them were parked on the side of the street, the other 3 were in
> motion driving down the street. I heard the accident when it happened
> when I was at home. I will refer to the 3 cars in motion as car # 1 -
> 3. The parked cars I will refer to as cars # 4 - 6. My car will be #
> 4. From the investigation of the scene car # 1 struck car # 2 in the
> rear, the impact caused car # 2 to spin out of control and hit moving
> car # 3 (which was in front of car # 2) and car # 2 hit all 3 parked
> cars # 4-6. Car # 4, my car was the 1st car that was hit upon impact
> from
> car # 2, and it hit (and totalled) car # 5 and car # 6 just had minor
> rear damage to the trunk and bumper. My car driver side door is so
> smashed in it cannot be opened and the rim on the passenger sidewas
> damaged by the impact being parked next to the curb. I'm worried about
> unseen damage since car # 5 was totalled and it was the 2nd car hit by
> car # 2. I can only imagine what has happened to my vehicle.
>
> The officers at the scene told us since there was so much damage and
> ambulances at the scene that they would gather all the information. I
> gather all information I could from the scene - car models,plates,
> colors, # of passengers, etc. I gave all necessary information and
> spoke the officers, the officer said car # 1 was responsible for
> setting in motion the car accident. I got a copy of the police report
> as told by my insurance company and the police officer. The police
> report has car # 1 driver in their own writing and signature stating
> that he slammed his brakes and struck car # 2 in the rear and that car
> # 2 had hit all the parked cars. The driver of car # 2 was taken to
> the hospital and has no statement on file.
>
> Now at this point, this is where it gets odd. Car # 1, who is insured
> with State Farm, is saying that car #2 cut him off and that is the
> fault of car #2 for the accident. Car # 1 admits fault to hitting the
> rear of car # 2, but that is was car # 2 fault for cutting him off
> that caused the accident. The State Farm adjust has been less than
> cooperable with helping expedite this process. The adjuster said that
> car # 1 said there was "misunderstanding" with the police report and
> that car # 1 driver said he didn't agree with the police report
> (which he wrote and signed himself) and that they needed to get a hold
> of the officer who filed the report to get it cleared up. In Maryland,
> I thought it was not possible to change a police report once it has
> been filed. I let them do that, as expected no change. Now the State
> Farm adjuster refuses to look at my car or assume liabity at all for
> the accident. The adjuster tells me he is going to issue a letter of
> denial for liability next week. As for car # 2, which is the car that
> impacted with my car, I wasn't even listed on their claim and they
> didn't have a copy of the police report. I faxed them over a copy of
> the police report and they updated their info. Car # 2's insurer said
> an adjuster was going to look at my car and that they would call to
> set an appointment to look at the car. but that has not been
> confirmed. Now, car # 2's insurer is going to send a letter of denial
> for liability because car #1's insurer is doing the same. This where
> my dilemna comes in, because of my insurance coverage with Geico I
> cannot claim underinsured motorist damage without a liable party. With
> both car #1 and car # 2 about to deny any liability for this accident,
> I'm without a car since technically there is no one underinsured to
> accept responsibility for the damage to my parked car.
>
> Please, I hope someone can help me with this, I'd rather not go to
> court and I'm just looking to get my car back to the way it was. I
> have been riding my bike back and forth to work for the last 3 weeks.
> The insurance companies are being extremely uncooperative and taking
> their time at my expense. I'm feeling like I'm being taken advantage
> of at someone else's expense. My car was parked in front of my home
> when it was hit, I can't understand why I am being treated like I did
> something wrong. Any legal information or advice would be greatly
> appreciated on how to pursue this. Thank you all in advance.
>
> I feel that Geico and myself should not be responsible for the damage,
> since I was in no way at fault or involved with this accident. I was
> simply parked in front of my home and it's been 3 weeks and no one has
> come to even look at the car.
04-18-2004 | 09:40 AM
#14
Guest
Posts: n/a
Re: HELP My Parked Car Was Hit - Insurance Not Making Sense - No Fault
On Sat, 17 Apr 2004 22:16:48 GMT, Tony Hwang <dragon40@shaw.ca> wrote:
>InsuranceHelp2004 wrote:
>I live in Baltimore, MD and still
>> have comprehensive coverage on my car (no collision).
>Hi,
>Going to court or not is not an issue, No matter what, your insurance is
>obliged to work on behalf of you. You don't need your own lawyer, your
>insurance company has it's own lawyer for cases like this. Not matter
>what, you're the victim if your car was parked on the street where
>parking is allowed. I think your insurnace has to fix your car and get
>the cost from the other insurance companies.
>Similar thing happened to me some years ago and my insurance company
>exactly did that for me.
See above - he has no coverage for collision. Why would his insurance
company get involved?
Rgds, George Macdonald
"Just because they're paranoid doesn't mean you're not psychotic" - Who, me??
>InsuranceHelp2004 wrote:
>I live in Baltimore, MD and still
>> have comprehensive coverage on my car (no collision).
>Hi,
>Going to court or not is not an issue, No matter what, your insurance is
>obliged to work on behalf of you. You don't need your own lawyer, your
>insurance company has it's own lawyer for cases like this. Not matter
>what, you're the victim if your car was parked on the street where
>parking is allowed. I think your insurnace has to fix your car and get
>the cost from the other insurance companies.
>Similar thing happened to me some years ago and my insurance company
>exactly did that for me.
See above - he has no coverage for collision. Why would his insurance
company get involved?
Rgds, George Macdonald
"Just because they're paranoid doesn't mean you're not psychotic" - Who, me??
04-18-2004 | 09:40 AM
#15
Guest
Posts: n/a
Re: HELP My Parked Car Was Hit - Insurance Not Making Sense - No Fault
On Sun, 18 Apr 2004 02:39:04 GMT, "L Alpert" <alpertl@xxcomcast.net> wrote:
>George Macdonald wrote:
>> On Sat, 17 Apr 2004 17:10:03 GMT, "mike"
>> <mikein562athotmail@hotmail.com> wrote:
>>
>>>
>>>
>>>> I feel that Geico and myself should not be responsible for the
>>>> damage, since I was in no way at fault or involved with this
>>>> accident. I was simply parked in front of my home and it's been 3
>>>> weeks and no one has come to even look at the car.
>>>
>>> geico should come, look at your car, and try to sort everything out.
>>> thats what *they* are being paid for.
>>
>> Hmmm, are you sure about that? The last time someone whacked my car,
>> in a parking lot, and ran, my insurance classed it as a collision...
>> meaning I had to pay the higher deductible I had on collision
>> insurance vs. comprehensive. The OP says he has no collision
>> insurance so I'd expect Geico to simply say "not our problem".
>
>Someone hit and ran my 2002 civic. I called the insurance company, worked
>out the details, had them mail me a statement of no fault on my part (non
>chargeable), and they took care of everything.
It's not a question of "fault". It's to do with whether the insurance
classifies it as a collision or not. E.g. if a tree falls on your car it'd
normally falls under comprehensive coverage, if another car hits your car
it's collision. The fact that the other guy ran means that they have no
way to assign blame - IME that meant coughing up the collision deductible.
Rgds, George Macdonald
"Just because they're paranoid doesn't mean you're not psychotic" - Who, me??
>George Macdonald wrote:
>> On Sat, 17 Apr 2004 17:10:03 GMT, "mike"
>> <mikein562athotmail@hotmail.com> wrote:
>>
>>>
>>>
>>>> I feel that Geico and myself should not be responsible for the
>>>> damage, since I was in no way at fault or involved with this
>>>> accident. I was simply parked in front of my home and it's been 3
>>>> weeks and no one has come to even look at the car.
>>>
>>> geico should come, look at your car, and try to sort everything out.
>>> thats what *they* are being paid for.
>>
>> Hmmm, are you sure about that? The last time someone whacked my car,
>> in a parking lot, and ran, my insurance classed it as a collision...
>> meaning I had to pay the higher deductible I had on collision
>> insurance vs. comprehensive. The OP says he has no collision
>> insurance so I'd expect Geico to simply say "not our problem".
>
>Someone hit and ran my 2002 civic. I called the insurance company, worked
>out the details, had them mail me a statement of no fault on my part (non
>chargeable), and they took care of everything.
It's not a question of "fault". It's to do with whether the insurance
classifies it as a collision or not. E.g. if a tree falls on your car it'd
normally falls under comprehensive coverage, if another car hits your car
it's collision. The fact that the other guy ran means that they have no
way to assign blame - IME that meant coughing up the collision deductible.
Rgds, George Macdonald
"Just because they're paranoid doesn't mean you're not psychotic" - Who, me??