by cpva426 » Fri Jul 15, 2011 04:07 pm
I just got an subrogation claim yesterday from other insurance party. I havent yet informed my insurance about the accident that happened a month ago. I dont think I am at fault.
I am going get police report today to verify its contents.
Need help on how I should proceed
I am going get police report today to verify its contents.
Need help on how I should proceed
Posted: Fri Jul 15, 2011 06:00 pm Post Subject:
I havent yet informed my insurance about the accident that happened a month ago. I dont think I am at fault.
Your insurance contract requires you to notify the insurance company immediately following a loss -- at fault or not.
Contact your insurance company IMMEDIATELY. The police report may not provide anything of value.
Posted: Fri Jul 15, 2011 06:43 pm Post Subject: Thanks for the quick response
I got the police report and it states that the other party is in "NO VIOLATION" but does not mention about any violation on my part.
Can it be argued that I am NOT at fault also?
cpva
Posted: Fri Jul 15, 2011 07:45 pm Post Subject:
Police reports have little value in determining fault. Each insurance company applies its own understanding based on interviews it conducts with insureds and witnesses.
Can it be argued that I am NOT at fault also?
Absolutely. Each party could be 100% at fault, which is known as 50%-50% liability. No one collects from the other party.
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