Tilted Forum Project Discussion Community - View Single Post - Is this worth contesting with my auto insurance?

Amano · 04-25-2005, 06:26 PM

About two months ago, I was involved in a car accident. I was on the freeway on a rainy day, when I lost control, and damaged my car, but did no damage to either public property or any other vehicle. In all honesty, I do not know whether it was caused by a flat tire, or if it truly was my fault in going too fast. Also, police did come to the scene, but no report was filed.

Insurance covered the damages, but I received a letter today stating that their investigation into the incident has been completed, and that I am at-fault for the accident. The reason they gave was that I was "driving too fast for the road conditions." However, the issue I have is that when I called to make the claim, ***they did not ask, nor did I tell them how fast I was going*** and I feel that it is wrong for them to make the conclusion that I was indeed driving too fast.

When I made the claim, I told them exactly this: I lost control of my car while on the freeway on a rainy day, and I'm pretty sure it was caused by a flat tire. Like I said, I made no indication of how fast I was going, neither a qualitative nor a quantitative judgment on my own speed.

So, is this something worth contesting? I don't see how they could have made the judgment call that I was driving too fast when they never asked how fast I was going. Based on the information I gave them, I could have been going at 25 mph!

And, if I do contest it, and they do find that the accident had been caused by a flat tire, would it still be considered according to the insurance "my fault"? Because if so, then maybe it wouldn't even be worth my while to contest it, if I just change it their "judgment" to something else that would still have the same effect on my insurance rates.

Also, I don't know if it matters, but this was in California

Thanks for the help!

04-25-2005, 06:26 PM	#1 (permalink)
Amano Insane	Is this worth contesting with my auto insurance? About two months ago, I was involved in a car accident. I was on the freeway on a rainy day, when I lost control, and damaged my car, but did no damage to either public property or any other vehicle. In all honesty, I do not know whether it was caused by a flat tire, or if it truly was my fault in going too fast. Also, police did come to the scene, but no report was filed. Insurance covered the damages, but I received a letter today stating that their investigation into the incident has been completed, and that I am at-fault for the accident. The reason they gave was that I was "driving too fast for the road conditions." However, the issue I have is that when I called to make the claim, *they did not ask, nor did I tell them how fast I was going* and I feel that it is wrong for them to make the conclusion that I was indeed driving too fast. When I made the claim, I told them exactly this: I lost control of my car while on the freeway on a rainy day, and I'm pretty sure it was caused by a flat tire. Like I said, I made no indication of how fast I was going, neither a qualitative nor a quantitative judgment on my own speed. So, is this something worth contesting? I don't see how they could have made the judgment call that I was driving too fast when they never asked how fast I was going. Based on the information I gave them, I could have been going at 25 mph! And, if I do contest it, and they do find that the accident had been caused by a flat tire, would it still be considered according to the insurance "my fault"? Because if so, then maybe it wouldn't even be worth my while to contest it, if I just change it their "judgment" to something else that would still have the same effect on my insurance rates. Also, I don't know if it matters, but this was in California Thanks for the help!