by Guest » Fri Feb 20, 2009 06:13 pm
hey guys just yesterday i was in a major car accident my car (suv) was totalled and the other car(taxi van) received alot of damage as well. a pretty common accident, i took a left turn the taxi was speeding and i misjudged and we got into a head on collision. i suffered a strained muscle in my arm ( now in a sling) my back is stiff my neck is stiff. i am going to the doctor today, SO, i would greatly appreciate it if someone could tell me what i should include in my statement to the insurance company(s) to make it look a little bit more "professional"? i really appreciate you guys and this website
*extra info* i was wearing a seatbelt. also had winter tires. instead of calling the police he decided to phone a stack of his friends and it made me feel really scared as i was in a state of shock, pretty much waking up to a mob of men standing around my car talking in their own language and snickering at me. I know he was speeding alot because my cars front has pretty much caved in fully.
Thank you and god bless.
-Michelle
*extra info* i was wearing a seatbelt. also had winter tires. instead of calling the police he decided to phone a stack of his friends and it made me feel really scared as i was in a state of shock, pretty much waking up to a mob of men standing around my car talking in their own language and snickering at me. I know he was speeding alot because my cars front has pretty much caved in fully.
Thank you and god bless.
-Michelle
Posted: Sat Feb 28, 2009 01:38 am Post Subject:
What ever happened to measuring skid marks if any, considering mass and weight of the occupied vehicle, considering the road and tire conditions of the Taxi in this example, to calculate the speed if there were no witnesses or witlesses. How many claims do adjusters rely on physical evidence and accident reconstruction to assign liability?
This just doesn't happen much. Usually it has to be a fatality or someone has to have serious injuries. The cost of accident reconstruction or at least to hire a top notch professional is just too high to use it on every disputed claim. This includes the time and expense and usually flying people in from different parts of the country. Adjusters just don't have the experience or the credentials to testify. So we go with statements and as much common sense as an adjuster has.
Personally, I'd never give a statement to the other insurer's adjuster as I am not contractually or legally obligated to until such time as I am deposed and then my insurer would provide counsel for me if there was any question of percentage of liability.
In a clear liability claim (and I mean clear and not just that you think that it is clear) I would agree, I would not give a statement to the other party either. Where there is a question of liability and you think you are not at fault it can pay to give a statement, because if you don't the other carrier can only go off information given by their insured. I've handled claims where the other party's statement has changed my opinion or in some cases solidified by opinion that my driver was responsible.
Posted: Sun Nov 28, 2010 04:52 pm Post Subject: Help me to give a discription on my accident
I was driving at 20mph from work to home, a car came from a drive way on the left hand side and entered the main road with out noticing that it was a dual carriage way. I tried to save this car by breaking and it was too late. I hit his car on the driver's side and no one was injuried. This accident happen right infront of his house. After the accident the guy drove back to his drive way and we exchaged the details.
Posted: Mon Nov 29, 2010 02:28 pm Post Subject:
I assume no police report was taken?
What is the question you wan answered? You fail to state one.
Posted: Wed Jul 27, 2011 03:58 pm Post Subject: Use a map
Search maps.google.com for the location of your accident, zoom in appropriately then print it out.
Trace over the road markings on a fresh piece of paper and draw the accident as you describe it. IT looks a lot better in a dispute if you have a completely accurate diagram of the road layout, when the other party will try and do it from memory.
Particularly useful for accidents at junctions or roundabouts with multiple lanes.
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