Advice for accident

[Volvobrick]

On 9/9/2024 at 4:49 PM, silverlilac said:

I encountered a similar situation recently and wondering if anyone here can help...

I was driving along Windstet Road (minor road) and making a right turn into Clemenceau Ave N when a car that had just ran a red light on Clemenceau Ave N crashed into my car.

Unfortunately I do not have dash cam footage. However, I have a short video footage where the driver admitted "I didn't see properly" and "I will repair". She also apologised over Whatsapp. These were submitted as evidence. 

Later I found out that she had lodged a third party claim against me. (We are both covered under the same insurance company.)

Now the insurance company's workshop is saying that our reports are contradicting and liability cannot be proven so I have to settle my own repairs. I thought the evidence I submitted was already a clear admission of fault.

The damages to my car is estimated at 3K so I'm not sure if/how to pursue this...

 

 

Get a dash cam.... 

[silverlilac]

Yes, lesson learnt

[Gizmore]

On 9/9/2024 at 4:49 PM, silverlilac said:

I encountered a similar situation recently and wondering if anyone here can help...

I was driving along Windstet Road (minor road) and making a right turn into Clemenceau Ave N when a car that had just ran a red light on Clemenceau Ave N crashed into my car.

Unfortunately I do not have dash cam footage. However, I have a short video footage where the driver admitted "I didn't see properly" and "I will repair". She also apologised over Whatsapp. These were submitted as evidence. 

Later I found out that she had lodged a third party claim against me. (We are both covered under the same insurance company.)

Now the insurance company's workshop is saying that our reports are contradicting and liability cannot be proven so I have to settle my own repairs. I thought the evidence I submitted was already a clear admission of fault.

The damages to my car is estimated at 3K so I'm not sure if/how to pursue this...

 

 

Same insurance company, of cos they will give the excuse if t isn't clear. Why go through the trouble of left pocket out and right pocket in.

Doesn't matter if the other party ran a red light since there is no video to proof. Since you are making a right turn (I presume a discretionary right turn) and are there street cameras around that area? If so, possibly a police report will be required to review the footage to determine who is right and wrong. This is provided TP decides to investigate. 

Otherwise, just want to settle the case, what is your insurance Excess? Typically if cost of repair is more than Excess, pay the Excess and claim OD, and move on. 

As for the third party claim against you, I'm pretty sure if your insurer tell you to settle yourself, they would have told the other party the same as well. 

[silverlilac]

Gizmore - thanks so much for your reply!  (It wasn't a discretionary right turn but a right turn on green light.)