If the police report assigns fault to the other driver, but that driver disputes the report and/or has sufficient evidence to challenge it, the insurance companies involved will conduct their own investigations. Each company will review the available evidence, including the police report, witness statements, photos, and any medical records.
2. Claims Adjusters:
Claims adjusters from both insurance companies will assess the evidence and attempt to determine liability for the accident. They may try to negotiate a settlement between the parties involved. If a settlement cannot be reached, the case may proceed to arbitration or litigation.
3. Your Claim:
The impact on your claim will depend on the outcome of the investigation and how the insurance companies interpret the evidence.
- If the insurance companies find that the other driver was indeed at fault, your claim may be approved and you may receive compensation for your damages.
- However, if the insurance companies find that liability is disputed or if they determine that the other driver was not at fault, your claim may be denied.
In such a situation, you may need to consider exploring other options, such as filing a lawsuit against the other driver.
4. Legal Representation:
If the police report is challenged and you believe that you are entitled to compensation for your damages, you may want to consult with an experienced personal injury attorney. An attorney can help you navigate the legal process, build a strong case, and represent your rights.
