by Guest » Sun Sep 16, 2007 11:12 am
Hello guys, I have a question:
I was in accident where a truck making a left turn from the middle lane hit my car's passenger side, while I was making a left turn from the far left lane. I t happened in NY, I have NY plates, the truck - WI plates. Long story short, I have basic-only insurance coverage trough Geico. They are not fighting for me, I have to take care f the claim. I filed a claim with Geico & the other driver's insurance co. They sent an adjuster to inspect the vehicle, take my statements etc and now I have received a letter from the adjuster, offering half of the sum that my repairs cost. The letter, however is titled "Release from all obligations" and practically says that they are paying me to release them from all obligations regarding this case, but it doesn't mean that they confess that it has been the other driver's fault neither they are closing their claim down. Meaning that they can still demand money from my insurance.
What should I do?
Thanks for your time!
I was in accident where a truck making a left turn from the middle lane hit my car's passenger side, while I was making a left turn from the far left lane. I t happened in NY, I have NY plates, the truck - WI plates. Long story short, I have basic-only insurance coverage trough Geico. They are not fighting for me, I have to take care f the claim. I filed a claim with Geico & the other driver's insurance co. They sent an adjuster to inspect the vehicle, take my statements etc and now I have received a letter from the adjuster, offering half of the sum that my repairs cost. The letter, however is titled "Release from all obligations" and practically says that they are paying me to release them from all obligations regarding this case, but it doesn't mean that they confess that it has been the other driver's fault neither they are closing their claim down. Meaning that they can still demand money from my insurance.
What should I do?
Thanks for your time!
Posted: Wed Sep 19, 2007 04:46 am Post Subject:
Its you, Tcope. :)
Posted: Wed Sep 19, 2007 05:14 am Post Subject:
Its you, Tcope.
I give up... I can't even log in right :)Posted: Wed Sep 19, 2007 05:23 am Post Subject:
I give up... I can't even log in right
I will get hold of Mac... he gotta do something now. :)
Posted: Sun Sep 23, 2007 01:18 am Post Subject:
Hey guys,
I was away for a couple of days and I have basically done nothing on my case. But anyway, I will call the cop that did my report. The problem is that he is on duty starting 12 am and I normally sleep at that time, since I have to wake up to go to work at 5 am... Well I will have to wake myself up at 12 am to call him and ask him why the heck he wrote that I didnt yield the right of way. I am not very positive that he will change the report, knowing what he was like when I had my previous conversations with him....
Posted: Sun Sep 23, 2007 01:28 am Post Subject:
PS There is some other codes on my police report. They are on both the left and on the right side of the report, in numbered boxes. How can I find out what those codes mean? I feel like there could be some more information there that I can use to fight back.
The boxes have the following codes:
1-x
2-x
3-2
4-3
5-1
6-1
7-1
19-7
20-x
21-x
22-x
23-7
24-7
25-3
26-3
27-1
28-1
29-x
30-x
"x" means that it was left empty
BTW the other party's adjuster keep calling me asking to fax him the signed offer. Well, I told him that I am not convinced that it is 50% my fault and that I have hired a lawyer (well I even have two of them - Lori & tcope :D). He said again that the report was not in my favor and I better sign the deal.
Also, is there a procedure that I can request a review of the police accident report via mail? I have spoken to this officer before and I dont think that he will do anything :(
Posted: Sun Sep 23, 2007 11:19 am Post Subject:
(darn it I lost the post! :x ) I'll have to start over....
Good Morning smilenyc07 ! So glad to see you back as well as you joining in on other discussions, glad to have you! :D
The problem is that he is on duty starting 12 am and I normally sleep at that time, since I have to wake up to go to work at 5 am
Silly, I'm sure he is on duty at least eight hours or so. :lol:
I am not very positive that he will change the report, knowing what he was like when I had my previous conversations with him
Call him and ask if you can meet him to discuss this. Take some 'motherly' advise here. Be OVERLY respectful, I would start the conversation with something like, 'I know that you have a very stressful job, and to you this accident is really minor in comparision to the horrible things you have to deal with on a daily basis, and I don't see how you do it, but is very important to me, and causing me much grief, can we please get togather and talk about it? I promise I will only take about ten minutes of your time?". Remember, these poor cops are dealing with punks and thugs all day long. Let him know from the beginning you are a respectful, responsible young man, (that's an assumption I'm making !). If you cannot get anywhere, contact his reporting or reviewing officer, use the same tactic. You would benefit greatly from doing this in person rather than on the phone. If he will not allow you the time to explain things etc, you need to keep climbing the 'cop ladder' until you get someone to listen.
Couple of things I thought about, If he marked you for improper turn, why did you not receive a ticket? If the claimant carrier BELIEVES the police report they should've and would've denied your claim wholely, but they didn't they offered you 50%, thereby (in my opinion), admitting the report is fouled.
There is some other codes on my police report
, you can get a 'code key' from the police dept that made the report. It should've been attached to the report or on a back page.BTW the other party's adjuster keep calling me asking to fax him the signed offer
I personally would tell him he might as well withdraw that offer, because I will not settle for less than 100%,He said again that the report was not in my favor and I better sign the deal
. I would tell him that 'report not in your favor' is merely temporary, mark my words buddy ! and if he is 'hung up' on the police report, (doing his job for him rather than he investigate the claim independently), why (based on said report) would he offer you anything? Clearly, he agrees it isn't correct.I better sign the deal.
Or what? Your nose will fall off? That's just a stupid thing for him to say. I've never said that in my 21 years!I have hired a lawyer (well I even have two of them - Lori & tcope
NOT ! hey, is that a compliment or insult? :lol: :lol: :lol:
Also, is there a procedure that I can request a review of the police accident report via mail? I have spoken to this officer before and I dont think that he will do anything
I don't know if there is, if so, I'm sure it would take even longer than forever, and not have near the impact a person to person conversation would have. Come on now, time to be a grown up about this .... :wink: (I'm teasing you don't take offense !). I know you don't relish talking with this cop again. When I have to deal with difficult people, that are really pissin' me off, I try and get myself all physic-d up, and think, 'I'm going to turn this person, no matter what they say, I will remain composed, and by the end they WILL be on my side, or see things my way'....have to eat a lot of crap some times, but it usually works out for me....I know you said it was NY, but don't you all have burrows or something out there? What town (for lack of better word), or precint? Thought maybe I could find it on line, and even review the report? Look on that report and see if you can find anything that can help me locate that precints web site (if there is one, should be)........
lori
Posted: Sun Sep 23, 2007 11:31 am Post Subject:
Good Morning smilenyc07 ! So glad to see you back as well as you joining in on other discussions, glad to have you!
Hey Lori I am glad to be back here myself :D Thanks fot eh good words!
Silly, I'm sure he is on duty at least eight hours or so.
This is the only time I can get him, before he goes out patrolling. After that, he comes back in the station sometimes around 5, soemtimes around 7, different every day. And I have tried to leave him a message he never calls back.
Call him and ask if you can meet him to discuss this. Take some 'motherly' advise here. Be OVERLY respectful, I would start the conversation with something like, 'I know that you have a very stressful job, and to you this accident is really minor in comparision to the horrible things you have to deal with on a daily basis, and I don't see how you do it, but is very important to me, and causing me much grief, can we please get togather and talk about it? I promise I will only take about ten minutes of your time?". Remember, these poor cops are dealing with punks and thugs all day long. Let him know from the beginning you are a respectful, responsible young man, (that's an assumption I'm making !). If you cannot get anywhere, contact his reporting or reviewing officer, use the same tactic. You would benefit greatly from doing this in person rather than on the phone. If he will not allow you the time to explain things etc, you need to keep climbing the 'cop ladder' until you get someone to listen.
Couple of things I thought about, If he marked you for improper turn, why did you not receive a ticket? If the claimant carrier BELIEVES the police report they should've and would've denied your claim wholely, but they didn't they offered you 50%, thereby (in my opinion), admitting the report is fouled.
Ill try to be nice although I have noticed that usually people understang you better when you jump in tough. Call it a New York mentality & attitude :D
you can get a 'code key' from the police dept that made the report. It should've been attached to the report or on a back page.
Will definately ask for that I need to know what those codes mean!
Town is Queens, 108th precinct.
Thanks for your help, Lori :)
Posted: Sun Sep 23, 2007 11:41 am Post Subject:
usually people understang you better when you jump in tough
With a cop? watch out there ! :lol:Posted: Sun Sep 23, 2007 11:47 am Post Subject:
I mean verbally. When you show them that you can take authority :D I am not planning to fight him :D:D:D
Posted: Sun Sep 23, 2007 11:56 am Post Subject:
smilenyc07--this is what I've found on the ny pd web, you need to move quickly on the report I think !
Police Accident Reports are retained at the Precinct in which the accident occurred for thirty (30) days before being forwarded to the Commissioner of Motor Vehicles
I would use this as a very last resort;
How do I make a complaint?
The IAB Command Center office is open for complaint, 24 hours a day, seven days a week. A complaint may also be called in by phone to (212) 741-8401, by E-Mail to [b]IAB@NYPD.org, or By postal mail to Occupant, P.O. Box 1001, New York 10014; to the Internal Affairs Bureau, located at 315 Hudson Street, New York, NY 10013 or in person at any Police Department facility. [/b]
Might want to site this;
What is the Police Department doing to promote positive police/community relations?
The Police Department has developed the Courtesy, Professionalism and Respect Strategy (CPR) to focus on police conduct and police/community relations. The strategy outlines various initiatives regarding Professional Standards, Recruitment Criteria, Training, Performance Monitoring, Reward and Disciplinary Systems and Public involvement CPR is an on going process and the department is continually developing new CPR initiatives. Copies of the CPR strategy can be obtained through the Office of The Deputy Commissioners Community Affairs.
One more, if you can't get anywhere I would go to the number I have highlighted;
Contact Information (this is for the 108th)
Precinct: (718) 784-5411
Community Affairs: (718) 784-5420Community Policing: (718) 784-5421
Crime Prevention: (718) 784-5404
Domestic Violence: (718) 784-5448
Youth Officer: (718) 784-5417
Auxiliary Coordinator: (718) 784-5408
Detective Squad: (718) 784-5441
Email deactivated as per forum rules - Evan
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