My Car Was Hit and Their Insurance Won't Pay

What Happened?

I was driving home from work late one night when I was hit by another car. I was stopped at a red light when they came up behind me. They didn't even try to stop. I was hit so hard that my car was pushed into the intersection. Thankfully, no one else was hurt and I was able to get out of my car without any injuries. I was in shock and all I could think about was the damage to my car.

I called the police and they came to the scene. After they took statements from both of us, they told me that the other driver was at fault and that I should report it to my insurance company. I was relieved that at least I had some kind of recourse. I was sure that my insurance company would take care of the damages.

Insurance Refuses to Pay

I was wrong. After I reported the incident to my insurance company, I was told that the other driver's insurance company should be the one paying for the damages. I called the other driver's insurance company and they refused to pay. They told me that they had investigated the incident and determined that their customer was not at fault. I was stunned. I had the police report and other evidence that clearly showed their customer was at fault.

I decided to take the issue to court. I was sure the judge would see the evidence and rule in my favor. I was wrong again. The judge ruled that there was not enough evidence to prove that the other driver was at fault. I was devastated. I had to pay for all of the damages to my car out of my own pocket.

Lessons Learned

This incident taught me a valuable lesson. Always make sure that you have enough evidence to back up your claim. The police report was not enough in my case. I should have taken photos of the scene and gotten witness statements. That way, I would have had a much better chance of getting the other driver's insurance company to pay for the damages.

I also learned that it is important to have a good relationship with your insurance company. They are there to help you in times of need, but they also need to feel like they can trust you. I should have been more cooperative with them and provided all the information that they needed. That way, they would have been more likely to help me out.

Conclusion

My car was hit and their insurance company wouldn't pay for the damages, but I learned a valuable lesson from this experience. Always have enough evidence to back up your claim and always have a good relationship with your insurance company. These two things will go a long way in helping you get the compensation that you deserve.