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6 Comments
what does the police report say?
Your insurance company is supposed to deal with this. Talk to them and see what they tell you.
If its true that the light was green right before the light changed to yellow when you went through the other person obviously ran a red light or her light changed to green and she went through speeding. Usually there is time to pass through the intersection if it turns to yellow when you go through. I cant say much cause I wasn’t there but that’s what I know. Make sure you have the police report when you are sorting this out with the insurance companies.
The answer depends on where you live, and the laws of driving in your location. Generally, in my state, insurance companies do the investigation IF have the police did not come and investigate the accident. Either way, get a copy of the report to see who they think caused the accident.
Also, I would advise you to NOT talk to the other party involved in the accident. Only talk to the police or your insurance company. Once the police, or the insurance company, has determined who was at fault in the accident, then you or the other party in the accident may want to sue for damages.
If the police or insurance company say that you were at fault, and the other person tells you to pay for the damage, then make sure she gets THREE DIFFERENT estimates of how much it will cost to fix her car. Pay for the cheapest estimate, but never pay for the most expensive estimate. You may compromise and pay the middle estimate (not the cheapest, not the most expensive).
Try not to stress out over this. Everyone makes mistakes.
I am hoping that the police responded to the accident. Did you get a copy of the report usually the officer will do a diagram and also write a narrative as to what happened. Did you get cited for any wrong doing? Do you know if the other driver was cited? It usually lists citations given on the report also. I am not sure how the law is in your state but normally you need to file a city report and if a lot of damage you need to file one with the state also, if not you can have your license suspended. Make sure your insurance is on top of this don’t let his woman get you nervous speak to your insurance and go from there.
It sounds like the accident was the other driver’s fault. If you were proceeding through an intersection with a green or yellow light and the other driver coming from the opposite direction was trying to make a left turn or U turn, then they’re at fault for failure to yield to you. So, I think the insurance companies would find the other driver at fault and their insurance would pay for your damages. You or your insurance own her nothing.
Stop talking to the other driver. Only talk to your insurance company and they’ll get to the bottom of this.