What can I do if the other driver lied to their insurance? 23 Answers as of October 17, 2011

My car was hit from behind at a red light, then a third car hit the car behind me and left the scene. Driver who hit me lied to cop and insurance company stating she was "pushed into the back of mine" by the third car; therefore her insurance won't pay for my damages since it wasn't her "fault." What can I do to do what is right?

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Chalat Hatten & Koupal PC
Chalat Hatten & Koupal PC | Linda Chalat
You will probably need to hire an attorney to sue the driver of the car which hit you. It is not unusual for car insurance companies to deny liability, even on the basis of a fabrication. But a good attorney should be able to help you get the compensation that you deserve.
Answer Applies to: Colorado
Replied: 10/17/2011
Lacy Fields, Attorney at Law, LLC
Lacy Fields, Attorney at Law, LLC | Lacy Fields
Whenever you are rear-ended, it's pretty clear that it's not your fault. Generally speaking, there are three things you can do. I am speaking in broad terms here; there are some exceptions to the rules: 1) Sue the driver who hit you (the driver directly behind you). The key to knowing you were hit by the car behind you (rather than that car being pushed into you) is feeling two impacts or feeling an impact and then hearing a second impact. If the driver behind you was pushed into you, you would hear the first impact (between the other two drivers), and then you would feel the second impact as the driver behind you was pushed into your car. If the police report is clear on this - i.e. your statement to the police confirms this-then you should not have any problems. However, sometimes it takes getting an attorney before the insurance finally settles. 2) You can file a claim against your own insurance under your "uninsured motorist" coverage. In essence, you are suing the "Phantom Driver" - i.e. the driver that hit-and-ran-but you are doing so by way of your own insurance coverage. However if you do not have uninsured motorist coverage, then you cannot do this. 3) You can file a regular claim against your own insurance for your no-fault collision. This would be a claim under your comprehensive coverage policy, and you would have to pay your deductible. If you have liability only coverage, then this is not an option. If I were representing you, the first thing I would do is order the police report and see what it says. Then we may learn the basis for the other driver's insurance to deny your claim. Have you obtained a copy of the police report?
Answer Applies to: Missouri
Replied: 10/17/2011
The Law Office of Josh Lamborn, P.C.
The Law Office of Josh Lamborn, P.C. | Josh Lamborn
All you can do in situations like this is make claims against both drivers and let them sort out liability. The most important thing is that you are not liable at all so you should be fully compensated for your damages. If they can't sort it out themselves you will have to sue both of them and let a jury decide who was at fault.
Answer Applies to: Oregon
Replied: 10/17/2011
Andrew T. Velonis, P.C.
Andrew T. Velonis, P.C. | Andrew Velonis
This would require investigation to gather witnesses and evidence. I assume you made a statement to the police and you can supplement it, but they probably consider the case closed. If you have insurance for this, make a claim under your policy and let your insurance company know that they should try to get their money back from the other driver. You could hire a private detective and accident reconstruction expert but that gets very expensive very quickly.
Answer Applies to: New York
Replied: 10/17/2011
Lombardi Law Firm
Lombardi Law Firm | Steve Lombardi
You can file with your own insurance company. If you dont have insurance then you have two choices. Either prove the other driver is a liar or figure out who the third driver is and sue them all. This is why the practice of law is so challenging. There are many cases where the answers are not easily come by.
Answer Applies to: Iowa
Replied: 10/17/2011
Law Offices of Kenneth Wincorn P.C.
Law Offices of Kenneth Wincorn P.C. | Kenneth Wincorn
Sometimes it is necessary to have the investigating officer correct the report if possible. Do not wait too long. Be sure that you notified your insurance carrier of the accident to protect yourself.
Answer Applies to: Texas
Replied: 10/15/2011
The Margolis Firm
The Margolis Firm | Charles J. Candiano
The responding officer should have asked you, on the scene, whether you felt one impact or two. One, would have indicated that the car behind you was pushed into you. Two, would have indicated that the woman hit you and was then pushed into you. Explain it to your insurance company and let them fight with the woman who hit you.
Answer Applies to: Illinois
Replied: 10/15/2011
Law Office of Ronald Arthur Lowry
Law Office of Ronald Arthur Lowry | Ronald Arthur Lowry
If you have collision coverage have your insurance company fix your car. You will be out your deductible but only temporarily. Your insurer will then make a "subrogation" claim against the insurer of the driver who hit you's insurer. When your insurer recovers you are supposed to get back your deductible.
Answer Applies to: Georgia
Replied: 10/15/2011
David F. Stoddard
David F. Stoddard | David F. Stoddard
First, if you have collision coverage, have your insurance fix your car. It is even better if your insurer will cover it on your uninsured motorist coverage as you will not have to pay a deductible. Then they will have the right to sue the other driver if they think it is worth it. It will be faster than suing yourself. If your insurer will not pay, sue the other driver, and if you have uninsured overage that covers property damage, bring a John Doe action against the unknown driver of the third car.
Answer Applies to: South Carolina
Replied: 10/15/2011
Buttafuoco & Associates | Buttafuoco & Associates
Do not try to negotiate with the insurance company directly. It is imperative to find an attorney and have them work on your behalf. Insurance companies are profit making corporations designed to increase their gains. They are not out to ensure you get full compensation. Call a qualified attorney for a free consultation right away.
Answer Applies to: New York
Replied: 10/14/2011
    The Kelly Law Firm, P.C.
    The Kelly Law Firm, P.C. | L. Todd Kelly
    This will probably need to be filed under your UIM and against the other driver. She rear-ended you. You should seek the advice of a personal injury attorney.
    Answer Applies to: Texas
    Replied: 10/14/2011
    Law Office of Jared Altman
    Law Office of Jared Altman | Jared Altman
    Take her to small claims court.
    Answer Applies to: New York
    Replied: 10/14/2011
    The Law Firm of Reed & Mansfield
    The Law Firm of Reed & Mansfield | Jonathan C. Reed
    You can file suit against the driver who hit you. A judge, jury or arbitrator will determine who is telling the truth or make their best guess.
    Answer Applies to: Nevada
    Replied: 10/14/2011
    R. D. Kelly Law Firm, P.L.L.C.
    R. D. Kelly Law Firm, P.L.L.C. | Robert Kelly
    That is why we have courts of law and alternative dispute resolution, so you can submit the question to somebody impartial and unbiased to decide how much they owe you. You should retain an attorney because the insurance company will certainly have one.
    Answer Applies to: Washington
    Replied: 10/14/2011
    Bulman Law Associates PLLC Injury Law Firm
    Bulman Law Associates PLLC Injury Law Firm | Thomas Bulman
    Notify your insurer. The hit and run probably had no insurance anyway so finding them might not solve the problem. Sue the driver in small claims court. As soon as they have to hire an atty to respond to your complaint, they might negotiate.
    Answer Applies to: Montana
    Replied: 10/14/2011
    Law Offices of Bodey & Bodey, PLLC
    Law Offices of Bodey & Bodey, PLLC | Michael Bodey
    In 1973, Washington abandoned the absolute defense of contributory negligence and substituted a comparative negligence standard. Under comparative negligence, the plaintiff's dollar recovery will be reduced by any percentage of comparative negligence found by the trier of fact to be attributed to the plaintiff. While applicable statutes in this area cover only comparative negligence in a negligence action, there are other statutes, which extended the comparative negligence concept to all types of fault, and all types of conduct by plaintiffs. Thus, any conduct by a plaintiff can potentially result in comparative fault, no matter how it would have been characterized under the prior law. Generally, this is discovered during, what is known as the discovery process. The discovery process is generally triggered after the filing of a summons and complaint, also known as filing a case. In Washington state the primary duty of avoiding a rear-end collision rests with the following driver. The following driver, if demonstrated collided with the vehicle in front of the said driver could be found negligent under RCW 46.61.525 negligent driving in the 2nd degree which occurs when a person under circumstances not constituting negligent driving in the first degree, operates a motor vehicle in a manner that is both negligent and endangers or is likely to endanger any person or property. Under that same statute, negligence is defined. Negligence means the failure to exercise ordinary care, and is the doing of some act that a reasonable careful person would not do under the same or similar circumstances or the failure to do something that a reasonable careful person would do under the same or similar circumstances. Without additional facts, it is very difficult for me to say what you may be able to argue. However, at face value, or my first impression, you might argue that you are entitled to assume that the following drivers are obeying the laws and are following at a safe distance. In general, you may continue to argue, you enjoy that right to drive and come to legal stops freely in obedience with traffic directional indicators, which were not described in your fact pattern, such as red traffic lights, etc. In contrast to leading drivers, following drivers must adhere to RCW 46.61.145. This further requires the following driver not follow another vehicle more closely than is reasonable and prudent, having due regard for the speed of such vehicles and the traffic upon and the conditions of the highway. Again, these ideas listed here are not described in your fact pattern, and I am making certain assumptions that this argument may apply. Even so, I must reiterate that following drivers must keep such a distance from or maintain observation of leading drivers whom they safely may make stops. Further, following drivers must anticipate the actions of leading drivers. Following drivers are assigned primary responsibility for avoiding accidents because they are in the best position to avoid a collision. This article will be republished on my website wwwbodeylaw.com. If this individual has misconstrued the facts associated with the motor vehicle collision i.e. being pushed into you by another vehicle, this categorizes that individual as a possible plaintiff. Thus, the burden of proof in Washington State is on plaintiffs to demonstrate said claims and damages. One of the claims that jumps out at me based on your description is that person behind you is claiming they are not at fault. If you were to obtain an attorney and file suit in order to commence in the discovery process, it may be revealed during the process that this individual is not being fully truthful. In what manner and by what method this occurs is lost on me; as it may come by way of an undiscovered witness or admission by party opponent, etc. Thus, I believe the answer to your question would be simply stated as, go get an attorney. Explain to the attorney in detail what occurred and provide as much information to your representative as possible, and discuss your options with said representative and consider filing the action. Filing of this action will trigger the discovery process and likely force the hand of individuals who are misconstruing facts. Please bear in mind that talented plaintiff's attorneys have ways of discovering and uncovering misinformation, whether it be provided with malice, self-preservation and or otherwise.
    Answer Applies to: Washington
    Replied: 10/14/2011
    Attorney Paul Lancia
    Attorney Paul Lancia | Paul Lancia
    Get a lawyer and file a complaint in the court for your damages. Nothing like the bright lights of a civil action to clear things up!
    Answer Applies to: Massachusetts
    Replied: 10/14/2011
    The Law Office of Harry E. Hudson, Jr.
    The Law Office of Harry E. Hudson, Jr. | Harry E. Hudson, Jr.
    Hire an attorney and let him/her sue the responsible parties.
    Answer Applies to: California
    Replied: 10/14/2011
    Paul Whitfield and Associates P.A.
    Paul Whitfield and Associates P.A. | Paul L. Whitfield
    You can sue driver 2. But if she lies it becomes he said, she said. Insurance companies almost never pay those claims. They figure they have at least a 50/50 chance to win, so why pay.
    Answer Applies to: North Carolina
    Replied: 10/14/2011
    Law Offices of Richard Copeland, LLC
    Law Offices of Richard Copeland, LLC | Richard Copeland
    Under Colorado's tort system, you have the burden of proving the accident was another's fault. You've got to convince the insurance company, go to trial, or give it up. Were there any camera's showing the accident?
    Answer Applies to: Colorado
    Replied: 10/14/2011
    Bernard Huff, Attorney/Mediator
    Bernard Huff, Attorney/Mediator | Bernard Huff
    Consult with or rertain a plaintiff's accident attorney for advice and direction.
    Answer Applies to: Indiana
    Replied: 10/14/2011
    THE LAMPEL FIRM
    THE LAMPEL FIRM | ERIC LAMPEL
    Have your insurance company handle it, or hire a good Personal Injury lawyer to represent you if injured.
    Answer Applies to: California
    Replied: 10/14/2011
    Joel H. Schwartz, P.C.
    Joel H. Schwartz, P.C. | Steven A. Schwartz
    This basically comes down to credibility if there are no witnesses. All you can do is explain to your insurance company your version of the events.
    Answer Applies to: Massachusetts
    Replied: 10/14/2011
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