HELP My Parked Car Was Hit - Insurance Not Making Sense - No Fault

Hello All,
I apologize for the cross posting but I am need of some serious
experienced advice before I take another step with the insurance
companies. I'll get right to it and try the best I can to stick to the
facts and not give my opinions. Here are some details I hope can help
assist you with offering some sound advice with dealing with these
insurance companies and adjusters. I live in Baltimore, MD and still
have comprehensive coverage on my car (no collision). My car was paid
in full and had a blue book vale of 9400. It was a Pre Owned Certified
vehicle. My insurance company is Geico.

There was a six car accident in front of my home. Of the six cars, 3
of them were parked on the side of the street, the other 3 were in
motion driving down the street. I heard the accident when it happened
when I was at home. I will refer to the 3 cars in motion as car # 1 -
3. The parked cars I will refer to as cars # 4 - 6. My car will be #
4. From the investigation of the scene car # 1 struck car # 2 in the
rear, the impact caused car # 2 to spin out of control and hit moving
car # 3 (which was in front of car # 2) and car # 2 hit all 3 parked
cars # 4-6. Car # 4, my car was the 1st car that was hit upon impact
from
car # 2, and it hit (and totalled) car # 5 and car # 6 just had minor
rear damage to the trunk and bumper. My car driver side door is so
smashed in it cannot be opened and the rim on the passenger sidewas
damaged by the impact being parked next to the curb. I'm worried about
unseen damage since car # 5 was totalled and it was the 2nd car hit by
car # 2. I can only imagine what has happened to my vehicle.

The officers at the scene told us since there was so much damage and
ambulances at the scene that they would gather all the information. I
gather all information I could from the scene - car models,plates,
colors, # of passengers, etc. I gave all necessary information and
spoke the officers, the officer said car # 1 was responsible for
setting in motion the car accident. I got a copy of the police report
as told by my insurance company and the police officer. The police
report has car # 1 driver in their own writing and signature stating
that he slammed his brakes and struck car # 2 in the rear and that car
# 2 had hit all the parked cars. The driver of car # 2 was taken to
the hospital and has no statement on file.

Now at this point, this is where it gets odd. Car # 1, who is insured
with State Farm, is saying that car #2 cut him off and that is the
fault of car #2 for the accident. Car # 1 admits fault to hitting the
rear of car # 2, but that is was car # 2 fault for cutting him off
that caused the accident. The State Farm adjust has been less than
cooperable with helping expedite this process. The adjuster said that
car # 1 said there was "misunderstanding" with the police report and
that car # 1 driver said he didn't agree with the police report
(which he wrote and signed himself) and that they needed to get a hold
of the officer who filed the report to get it cleared up. In Maryland,
I thought it was not possible to change a police report once it has
been filed. I let them do that, as expected no change. Now the State
Farm adjuster refuses to look at my car or assume liabity at all for
the accident. The adjuster tells me he is going to issue a letter of
denial for liability next week. As for car # 2, which is the car that
impacted with my car, I wasn't even listed on their claim and they
didn't have a copy of the police report. I faxed them over a copy of
the police report and they updated their info. Car # 2's insurer said
an adjuster was going to look at my car and that they would call to
set an appointment to look at the car. but that has not been
confirmed. Now, car # 2's insurer is going to send a letter of denial
for liability because car #1's insurer is doing the same. This where
my dilemna comes in, because of my insurance coverage with Geico I
cannot claim underinsured motorist damage without a liable party. With
both car #1 and car # 2 about to deny any liability for this accident,
I'm without a car since technically there is no one underinsured to
accept responsibility for the damage to my parked car.

Please, I hope someone can help me with this, I'd rather not go to
court and I'm just looking to get my car back to the way it was. I
have been riding my bike back and forth to work for the last 3 weeks.
The insurance companies are being extremely uncooperative and taking
their time at my expense. I'm feeling like I'm being taken advantage
of at someone else's expense. My car was parked in front of my home
when it was hit, I can't understand why I am being treated like I did
something wrong. Any legal information or advice would be greatly
appreciated on how to pursue this. Thank you all in advance.

I feel that Geico and myself should not be responsible for the damage,
since I was in no way at fault or involved with this accident. I was
simply parked in front of my home and it's been 3 weeks and no one has
come to even look at the car.

 

Geico should make good to you now, and then after fault is established against
one of the other vehicles, that vehicle's insurance should settle with Geico.

after all, you have them to represent you.

Unfortunately, I dropped Geico after one year when they didn't pay for shopping
cart accident at a grocery store. They have a way of technically weaseling out
responsibility. I think this is due to the fact that have few agents and you
seem to deal with the company on the phone rather than face to face.

In this case they are playing the shell game and leaving you stranded. If you
have an agent you would have a little more leverage because he would try to
keep your business.

 

geico should come, look at your car, and try to sort everything out. thats
what *they* are being paid for.

 

geico should come, look at your car, and try to sort everything out. thats
what *they* are being paid for.

 

Wholesale or retail? Because the wholesale value is all they'll pay
you unless you do a lot of screaming.

They keep lawyers on full time retainer. It costs them nothing to
delay and delay in the hope that you'll give up. Court calendars are
jammed and it's easy to delay and dawdle.

You aren't. You're being treated like you're helpless and with little
recourse, which you are.

Justice or fair compensation has nothing to do with it. Too many
people are out to screw the insurance companies, so they have adopted
the policy of screwing the public. In your case there are multiple
insurers so they are busy trying to screw each other, their claimants,
and their insurees.

In the real world this is what's called a cluster ****.

Lotsa luck :-(

 

Wholesale or retail? Because the wholesale value is all they'll pay
you unless you do a lot of screaming.

They keep lawyers on full time retainer. It costs them nothing to
delay and delay in the hope that you'll give up. Court calendars are
jammed and it's easy to delay and dawdle.

You aren't. You're being treated like you're helpless and with little
recourse, which you are.

Justice or fair compensation has nothing to do with it. Too many
people are out to screw the insurance companies, so they have adopted
the policy of screwing the public. In your case there are multiple
insurers so they are busy trying to screw each other, their claimants,
and their insurees.

In the real world this is what's called a cluster ****.

Lotsa luck :-(

 

They keep lawyers on full time retainer. It costs them nothing to delay and
delay in the hope that you'll give up. Court calendars are jammed and it's easy
to delay and dawdle.>

Last year Farmers told me that they could do nothing useful for a month as the
lady running the show "just got married and will be on her honeymoon for the
next month."

Lousy bums.

Quent

 

I think if Geico won't step up and handle it for you, you will have to sue
the drivers directly for the damages. Ultimately, the insurance companies
were hired to act at their agents, but I don't think that relieves them of
personal responsibility/liability, whether they deny it or not. I don't see
any way for you to get compensation without at least hiring a lawyer and
probably going to court.

 

I think if Geico won't step up and handle it for you, you will have to sue
the drivers directly for the damages. Ultimately, the insurance companies
were hired to act at their agents, but I don't think that relieves them of
personal responsibility/liability, whether they deny it or not. I don't see
any way for you to get compensation without at least hiring a lawyer and
probably going to court.

 

Work with Gieco, take the info from all parties, the police reports, etc,
and let your insurance company work it out. This is why you have
insurance... if you go to the other party's insurance CO, they will take
your claim, but it is in their interest not to pay up full bill...

As a third party to the accident, Gieco knows that you are not at fault, and
the claim should not impact your ratings (i.e. your car was parked in a
legal manner). Gieco will take the info for your claim, go after State Farm,
and get the money from them. Your other option, depending on the loss, is to
pursue a civil action against the insurance companies and involved parties
in the accident.

Hope that all things work out... sounds like a pretty complex deal, but the
police report is the key.

Tim

 

Work with Gieco, take the info from all parties, the police reports, etc,
and let your insurance company work it out. This is why you have
insurance... if you go to the other party's insurance CO, they will take
your claim, but it is in their interest not to pay up full bill...

As a third party to the accident, Gieco knows that you are not at fault, and
the claim should not impact your ratings (i.e. your car was parked in a
legal manner). Gieco will take the info for your claim, go after State Farm,
and get the money from them. Your other option, depending on the loss, is to
pursue a civil action against the insurance companies and involved parties
in the accident.

Hope that all things work out... sounds like a pretty complex deal, but the
police report is the key.

Tim

 

Another thing you might try; if you have "Mr/Ms Fix this problem" in the
local paper or a local TV station you might try to get them involved to
help resolve the problem.
I'm sure the threat of negative publicity in the press or on the air would
motivate a
settlement. Good Luck..

 

Another thing you might try; if you have "Mr/Ms Fix this problem" in the
local paper or a local TV station you might try to get them involved to
help resolve the problem.
I'm sure the threat of negative publicity in the press or on the air would
motivate a
settlement. Good Luck..

 

Court. Judge will decide which is actually at fault.

Eventually oe will be declared at fault, then you get to make a claim.

Hopefully this won't take more than 2-3 months.

 

Court. Judge will decide which is actually at fault.

Eventually oe will be declared at fault, then you get to make a claim.

Hopefully this won't take more than 2-3 months.

 

Hi,
Going to court or not is not an issue, No matter what, your insurance is
obliged to work on behalf of you. You don't need your own lawyer, your
insurance company has it's own lawyer for cases like this. Not matter
what, you're the victim if your car was parked on the street where
parking is allowed. I think your insurnace has to fix your car and get
the cost from the other insurance companies.
Similar thing happened to me some years ago and my insurance company
exactly did that for me.
Tony

 

Hi,
Going to court or not is not an issue, No matter what, your insurance is
obliged to work on behalf of you. You don't need your own lawyer, your
insurance company has it's own lawyer for cases like this. Not matter
what, you're the victim if your car was parked on the street where
parking is allowed. I think your insurnace has to fix your car and get
the cost from the other insurance companies.
Similar thing happened to me some years ago and my insurance company
exactly did that for me.
Tony

 

Hmmm, are you sure about that? The last time someone whacked my car, in a
parking lot, and ran, my insurance classed it as a collision... meaning I
had to pay the higher deductible I had on collision insurance vs.
comprehensive. The OP says he has no collision insurance so I'd expect
Geico to simply say "not our problem".

Rgds, George Macdonald

"Just because they're paranoid doesn't mean you're not psychotic" - Who, me??

 

Hmmm, are you sure about that? The last time someone whacked my car, in a
parking lot, and ran, my insurance classed it as a collision... meaning I
had to pay the higher deductible I had on collision insurance vs.
comprehensive. The OP says he has no collision insurance so I'd expect
Geico to simply say "not our problem".

Rgds, George Macdonald

"Just because they're paranoid doesn't mean you're not psychotic" - Who, me??

 

Someone hit and ran my 2002 civic. I called the insurance company, worked
out the details, had them mail me a statement of no fault on my part (non
chargeable), and they took care of everything.