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Me and my husband was in a bad car accident in August of this year we went to the hospital for 16 hours the truck we were in fliped over someone hit us from the side and it was totaled we went to the doctor for 8 weeks they paid us off 5000 for the truck how much she we can back from thye claim.
Is there a police report? If so, were tickets given?
Are the insurance companies talking to each other about the accident and fault and reimbursement?
Yes, whose insurance company, your company or the other persons company.
If it is your company do you have med pay on the policy ?
Not enough info
Quote:
Originally Posted by tiffany woods
I'm a liability investigator. What State?
Otherwise I don't understand your question. Are you asking about suing and what amount you can collect? What were your damages - time off work, permanent injury and/or scarring?
Or are you talking about getting your medical bills paid? It is foolish to do anything until your medical treatment is completed and you are discharged by your Doctor(s).
Who paid for your truck? Did you have collision and they paid and then collected from the other company? Did the other company pay directly?
Has fault been determined based on witnesses and location of the damage to the vehicles? A Police Report is not necessary because the Police are after-the-fact witnesses; however; if the other company paid for your vehicle they have admitted liability.
Need more info -
Quote:
Originally Posted by Wondergirl
Actually Police Reports and tickets mean little - the Police are after the fact witnesses and often speak to only one party as the other party is in the process of being carted off to the hospital, causing the Police Report to be very one sided. They also talk to the least hysterical of the parties - in my area if you are injured and/or very upset, you don't get inteviewed.
I'd look for witnesses and who paid for the OP's vehicle to see where this stands with the insurance companies.
[QUOTE=Comments on this post
Wondergirl agrees: For insurance companies, though, the police report and any tickets given are just more pieces completing the puzzle picture.[/QUOTE]
Must vary State to State, company to company. I do Plaintiff work (usually) and police reports and tickets are discredited on a very regular basis, completely ignored when it comes to fault unless, of course, by some fluke of fate the Police actually witnessed the accident.
But - as I said - I don't investigate from the insurance company's side and, while I have contact with insurance companies and know their adjusters and investigators, I don't know what criteria they use and what they see as evidence.
When I worked in BI for State Farm, we included in the file statements from the insured(s), witness(es), the other driver(s) or person(s) involved in the accident, plus the police report and any other pertinent documents. In fact, SF insureds are told, after an accident (even a minor one), to call their agent and also the police.Quote:
Originally Posted by JudyKayTee
Quote:
Originally Posted by Wondergirl
I agree - I look at all of those documents and reports - but they don't necessarily carry any weight when it comes to determining responsibility. I also get involved in the various theories of liability and accident reconstruction.
And of course all accidents should be reported to the Agent and then the Agent can decide whether to turn it over to the company.
Interesting how Plaintiff and Defendant work differs.
Yes, more info is needed. Additionally, please don't create multiple usernames and ask the same question repeatedly; it just clutters up the board.
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