Can the other drivers insurance company deny my claim because the driver denies fault and/or they are unable to determine liability?
The statements from all parties involved-including witnesses, the police report, a scene investigation and the physical damages of the vehicle are really the only factors when considering who is liable for an accident. If it cant be determined who was responsible for the accident, they can and will deny your claim. You would probably expect your insurance company to do the same. If their insured states the facts as one thing, and you state another, the police didn’t respond and there are no witnesses, liability will not be able to be determined and a denial of your claim will most likely happen. In this case you would need to file under your collision coverage.
Related Questions
- When an insurance company denies part of a claim because of "usual, customary and reasonable" (UCR) allowances, is there an appeal process?
- Can the other drivers insurance company deny my claim because the driver denies fault and/or they are unable to determine liability?
- Is it normal for a truck driver, truck company, or its insurance company to deny responsibility for the accident?
