September 27, 2013 12:02 PM Subscribe
My wife was rear ended twice back on August 28th (she is fine, no injuries). Our 2012 Focus suffered rear bumper damage. The driver of the other car failed to stop after my wife and another vehicle in front of her, waited to make a left-hand turn.
posted by KevinSkomsvold to law & government (5 answers total)
My wife stopped in the intersection when the car in front of her stopped. The woman who hit my wife, hit the rear bumper hard and then inexplicably (maybe from shock) allowed the car to roll again into the rear causing more damage. We did not call our insurance company since the other driver was at fault (stop me if you've heard that before). We chose instead to attempt to settle with the other driver's insurance company. We got an estimate for $700 and today the check came for $580 with a letter only admitting 80% liability due to my wife's "sudden stop." It's bullshit because my wife was already stopped in the intersection, for a good 5 seconds. Secondly, getting hit twice? C'mon.
I called the other parties insurance company full well knowing that they wouldn't suddenly have an epiphany and shell out the rest. So basically it's my wife's word against the driver and now we have to deal with trying to get the rest of this money.
1. Should we now try to contact OUR insurance company after the fact? I can't imagine a scenario where that would be a good idea but maybe I'm wrong.
2. I filed a complaint with the Illinois State Insurance Board (thank you internets). Has anyone had any experience with doing such a thing? WHat are my chances?
3. Any non-legal advice/stories that may help in deciding how we proceed?