Car Accident Advice
First of all, no one was hurt.
There were two left-turning lanes. I was on the outer left-turning lane. The other guy was in the inner left-turning lane (i.e. He was on the left and I was on the right). Upon turning left, I turned into the correct lane.
When I almost completed the turn, the guy hit my vehicle from the rear-left side passenger door near the rear left tire. His vehicle continued to move forward for a about 3 more seconds until it stopped, where his front-right corner was now just below my front side mirror on the driver side door. (Hope that all makes sense. If you think it through, I hope it's obvious what I am describing.)
In addition, since he hit me from about 7 o'clock of my car, I obviously couldn't have seen him coming.
The description above is all factual and I will give my opinions in a bit.
I am absolutely confident that he encroached into my lane. I definitely did not encroach into his lane. Because I couldn't get out of the car (i.e. his vehicle's right front corner is at my door when everything stopped), I moved to the side of the road and we exchanged information.
I contacted my insurance as soon as we got home. Upon reviewing the information, my insurance company told me they believe it was the other person's fault a couple of days later.
A few days later, upon talking to the other driver's insurance company, they said the other driver told them I encroached into his lane. As such, the other driver's insurance company denied that they are liable.
Now, here are some additional observations and opinions:
- I have had a perfect driving record my entire life.
- Again, I am absolutely certain I was in my own lane.
- The other driver did not appear to brake even after initially hitting my car and his car continued to slide forward from near the rear-left of my vehicle to almost the front hinge of the driver's door just below the side mirror. The lack of attempt to brake makes me think he was distracted.
- He said sorry when he got out of his car but must have changed his tune when he talked to the insurance company.
- There were no witnesses (busy intersection and no one stopped by).
- The other insurance company basically said, "Our driver told a different version of the story, so we are denying liability."
- While the car sustained substantial damages, the event itself seemed minor and obvious at the time so I did not call the police.
If the other side keeps denying liability, I will probably end up having to pay the deductible, which is fairly high for me in this case, and the my insurance will pay the rest.
If you have additional questions, please feel free to ask and I will reply as quickly as I can. Thank you.
What I like to do is to reach the point where the other side cannot possibly deny liability.
For those who have deal with sucky drivers before and experience with insurance company, your advice and experience would be appreciated!