Auto Insurance Claims Process: Not-At-Fault Accident

45 Comments

1. It was 4th of july & a nasty rain storm we waited over an hr the police never showed. We called repeatedly and I was told by the operator that as long as there were no injuries, the police did not need to come because they are solely there to make sure the parties exchange information.

   Another issue is we both moved our cars out of the way of traffic so we were not in the original positions of the accident and I truly regret that but we were on a very busy one-way street and I did not want anyone to hit me in the rear

   The person at fault lied clearly bc her insurance has yet to come to a liability decision. No major damage, both cars drivable. In the accident she merged into my lane & hit me on my passenger side, so bc of that its her word against mine.

   I did goto therapy for a shoulder injury from the accident for 6 weeks. Its been 3 months & still nothing, the demand was sent & nothing … i’m not even in a rush for the money because I know that when it comes to accidents that is not something you get quickly. I’m in a rush to have this matter resolved because it’s stressing me and it’s irritating me that this lady lied I pray that there are cameras in the area where we were but im not sure.

2. Insurance are true scammers, the other party claims injury when literally no injury happeneded. Lawers are minting money by claiming for injury when bo injury is there. This is seriously sick. This is damaging the actual reason people take insurance and shiuld be benfitted for real damage and NOT FAKE damages. LAWERS AND INSURANCE ARE FRAUDSTERS. DO The Right thing man

3. The bit about exhausted policy limits is the one people never think about until it happens — assuming the other driver's coverage will just handle everything, then finding out it caps out. Good breakdown of the whole process end to end.

4. In Florida, if the other driver's insurance delays accepting liability and I have to pay out of pocket for Uber or a rental car to get to work, are they required to reimburse those expenses once they eventually accept liability?

5. Progressive doesn’t even send anybody out anymore. You have to fill out diagrams. Take pictures of your car yourself uploaded to their portal. Take a video. You do all the work for them.

6. You clearly drive a BMW if you feel that minimally a new car will be 40K +!

7. An incredibly informative video.

8. Any advice on this: I was involved in an accident involving a tractor trailer on i87 in NY, right by the Palisades Mall. I was in the middle lane, the truck was in the left lane. He moved from his lane unsafely, struck the rear most driver’s side corner of my vehicle. The truck driver told the NY Trooper that I was in the right lane and moved from the right lane into the center lane at the same time he was moving out of the left lane, which is an absolute lie. I had been in the center lane since the end of the Tapanzee Bridge, which is what I told the Trooper. I can only imagine that this guy or his insurance company will try to assign fault to me, when I have none. What is the best course of action with this. I just want my car fixed. There were no injuries, but probably about $10k damage to my vehicle.

9. Was in minor accident. I have 2024 tundra. Minor side damaged. Can I take it to dealership. Looks like front corner panel may need replacement and minor scratches on door and side rail. I just want right parts on my truck. I just don’t know what to do on that part. I work hard and pay for my enjoyment. They were at fault.

10. I'm dealing with the insurance company now. My car was parked legally I'm front of my house and someone backed into it total loss

11. I understand but sometime police says it’s a no fault states which I don’t even understand. I got hit and called to police but they never filled the case or police report. And they said private property at hospital. So, finally I had to use my insurance and deductible

12. I was the victim of a hit and run last night, the same day I bought a brand new Camry. I called the cops twice and they never showed. Now my insurance won't give me anything because they didn't find the fucker who hit me.

13. My 17 year old was hit yesterday, the guy tried to change lanes and wasn’t paying attention he admitted to my son verbally that it was his fault and convince him not to call the police and exchange insurance, my son went to the police and made a police report because his dad told him to but now the guy is not admitting fault he has full coverage and my son only liability. What can we do to make the other guy insurance pay.

14. My insurance company was trash the other ppl insurance was better….. and they 100% hit me…. SMH with a new car oem only there insurance always use oem or used parts anywhere you take your car in 100 insurance with thay body shop. ProFirst Certified Collision Center. These shops are vetted by Honda am still under Honda Manufacturer. 100% Warranty. New car.

15. I was coming to see someone tbone my truck , ran right into me running a red light n the guy was drunk driving I had the right a way In I wanna know if I can sue the person I had four ppl n my car two was pushed out the window 😢one in the hospital pls pray for me n my friends n family. I pray this goes smoothly

16. What happens when the other party's insurance won't take liability when an whole hit your car. They denied him accountable but he hit me! What do I do

17. I am was using rent to buy car and on 01/09/2025 I was in involved in car accident and my it was car only damage because I was driving kwid 1.0 then ,I report the matter to insurance then boom the insurance they did not cover the car and the car was written off and now I left with a big bill to pay and I don't have a car as we talk .I have trying all the angles to get help but I get nothing only to pay the amount of car

18. I agree!! Thank you so much for this info!
    I was hit, did nothing wrong, and now have the dilemma of what to do … was just getting ready to sell my vehicle, too. 😞

19. I know someone that was ran over by a car. Zero fault on their end. It has only been 2 weeks since accident. Mri's pending. Ins company has made an insulting offer. Dont even know if they are going to have any more problems or long term problems. Advice please and thank you.

20. ❤❤❤❤❤❤❤❤

21. All they have to do is cancel their insurance and you won’t get your car replaced or fixed fkn insurance

22. It’s a garbage process and it does nothing for you that’s why it does nothing because it’s a long drawn out bs process

23. This info is outdated. Insurance companies have become much more brutal and try to get away with murder.

24. Its always best to take video because it pick up the audio and the dialog between the person at fault the insured and the other party the claimant.

25. Insurance is a scam.

26. I was rear ended a few weeks ago. The adjuster of the insurance company for the person at fault called me and requested a copy of my title. Is it common to provide a copy of my title?

27. Insurance is a scam and how is it fair or just to damage another person/property and just say oh well the person we took liability for doesn’t have money get fucked I mean have a good day.

28. I was rear ended. And its 2 days after. I have police report and going to file an insurance claim. I do also have video of what actually happens. Should i report the video to the police?

29. Hii, im planning to buy third party insurance for my car but i have a big doubt, suppose someone rear ends me then what i have to do ? And does my insurance will cover my vehicle repairs because I wasn’t at fault??

30. Someone ran a red light going 50+ mph and totaled my car on top of other bodily damages. My insurance won’t get me a rental because i don’t have renters insurance, so they told me to call the at fault drivers insurance. I called them and they couldn’t get me a rental car since their policy didn’t cover all the damages to the 3 cars that were damaged. So I’m just SoL waiting 2 weeks at this point to get my coverage money to buy another car and I’m not able drive to work/doctors appointments. Feel like that should be illegal. I was driving to work and someone tried to murder me and now I’m just screwed until this process is resolved

    Edit: I’ve called my claim agent every day for 10 days and i got the phone answered/call returned twice. A different person who answered finally got my car out of the tow yard 8 days later and i still haven’t heard from my adjuster 12 days later

31. What does mean when Auto Insurance does offline claim BECAUSE CAR TO OLD

32. What if the responsible party driving had not yet purchased the vehicle. He was driving, does that make the actual owner responsible?
    My little boy died on impact! It was a head-on collision.

33. I was t-boned in my 2024 chevy tahoe I had just got in April 2024 it was a total loss ,I have made 11 payments , will I be reimburse for those payments??

34. Asking for a friend….his Civic was struck by Escalade last week….he was in right
    left turn lane..escalade driver tried to merge and struck my friend’s civic…escalade driver
    gets out of his car and says he is sorry he thought there was a “gap” he could squeeze into.
    They exchange information..my friend calls his own insurance-state farm- and they told him to call
    Escalade driver’s insurance….which my friend then did…..USAA. USAA tells my friend they. Have 30 days to
    sort this out and they must wait for escalade driver to call them….so my friend then calls State Farm back and gives his statement.
    He also emailed the photos of both cars which shows the damage…6 days later escalade driver calls
    State Farm and says my friend ran into HIM ! Which is not true so he is trying to shift blame. No injuries – no witnesses
    or cameras and no dash cam..This was in San Diego and police will not come to a no injury accident. State Farm tells my friend they will assign a “special adjuster” and will “fight “ for him.

    what happens where at fault driver tries to shift blame?

35. Make insurance on the license itself

36. If I got hit by a kid who isn't a driver on the policy is that law suit still valid?…I didn't have insurance because my pay day and payment weren't aligned in time. I have a picture of his ID when the cop made us exchange IDs…his name not on policy card I took a picture of either..
    Can I sue if I didn't have insurance?

37. Bullshit! My wife was rear-ended and needs an $80k spine surgery. Progressive refused to give us a PIP number. I did 7 interviews and they refused to issue a PIP number. We desperately needed medical attention but they gave us fake numbers that the clinic would not accept. I found out that progressive was trying to deny us a claim number to run out the 14 day deadline to see a doctor! The clinic would not take cash and they would not accept blue cross because it must come from PIP first in Florida. We were forced to get a lawyer and pay 35% of whatever we "recovered" We would have had enough money with my uninsured motorist coverage but with the attorney to force progressive to honor our insurance we now cant afford the surgery. The lawyer does not do trial. We will pay out of pocket due to progressive forcing us to get an attorney. We had $10k pip plus $50k uninsured motorist plus the at fault had $20k and we were forced to sign over 35 % because progressive refused to honor the policy. After we signed with the attorney they decided to pay but now there is not enough money. We are $40k short.

38. my adjuster said i filed a claim simply because I notified them of the accident. I will never report a not at fault to my insurance. My idiot adjuster reported a "no claim not at fault" accident to C L U E my second not at fault that was reported to clue from 3 yrs ago I just found out about that last week. I was standing next to my jeep unloading food as i just got home from schnucks and got hit by a tow truck backing out of a dark tiny side street smaller than an alley. So Im not even in my car and they paid for all damage to my jeep and i was reported to clue? How would that help clue? all they have is $0.00 paid claims. But now No one will insure me or I pay 1500 a month? Not at fault means nothing as long as you stay with the insurance company you had when that not at fault happened. But when you go to a different company thats when the game begins because they can use those against you. Im living proof. If you ever want proof those NAF accidents go against you go shopping online for new insurance and leave off the not at faults to get your rate and then as soon as you put in your driver license number and act like you want to signup with them,the system will run through the dmv and your new rate will come back higher . If you already know this then this is not for you .Its for those ,like me who had no clue that not at fault doesn't mean its not your fault when its time to renew your policy. So now i have a new Jeep 7000 miles and uninsured for doing nothing. I have liability because I cant afford 1500 a month for full coverage.Im still going through the dispute process so I can sue the insurance company .They said I filed a claim when I reported the accident. And yet the other side claimed 100% fault.

39. does uninsured policy also, pays pain and suffering?

40. Good day Beaux,
    I was involved in a- from what my insurance is telling me, is a collision accident. myself and 10 other people ran over a light pole that was on the highway.

    I was told by my insurance company to start the claims process until they find who the owner of the pole is (most likely Rhode Island DOT)- am I on the right track? I am paying out of pocket for a rental because it is not in my coverage- would I have to go after the pole owner for reimbursement?

    My car is fairly new ~2 years- would this affect its value and would it be an accident record for the car? For me?
    Would my insurance rates go up?
    Please advice on what you think is the best way to handle this situation..
    Thank you in advance if you noticethis comment! You are doing God's work.
    Have a good day.

41. What to do when the person in fault i have liability i finally talked to the adjuster but they are telling me to get in touch with my insurance company and now it been month and half i had to cancel my insurance do to total damage no car at all what do I do??

42. Can they go after your buisness if insurance runs out of memory?

43. If the at fault driver doesn't have insurance and got to go after mine and i go to hospital and doctors and therapy and my insurance medical coverage is 25k and my bills are 10k will they give the remaining money from that? Or do they just pay my medical bills and thays it? Tha ks

44. My SO was struck by a vehicle that ran a red light. Cops arrived reviewed footage and issued him a ticket and declared him at-fault for the accident. We live in a no fault state. Will his insurance still pay with the police statement and video evidence?

45. I was offered a cash settlement for my vehicle due to it being totaled. If I accept this cash offer, am I able to still pursue them for pain, suffering, loss of sick leave time and anything else? I’m in CA