r/Insurance • u/Significant-Fill-504 • 9h ago
Auto Insurance T-Boned, other driver refusing to make a statement to State Farm
Hey all,
I was recently t-boned by another driver. My hatchback has a ton of damage, but the other vehicle (lifted truck) got out with a small dent. The driver wasn't the owner of the truck, but both vehicles are insured with State Farm. I made a claim, but the guy who was driving the truck at the time is refusing to give a statement about what happened, and State Farm says that my reimbursement will be filed under my policy instead of the other vehicle's policy, because it's supposedly not clear enough that the other driver was at fault.
Is there anything I can do about this? I don't have any evidence except text messages where he says that I can shoot him an offer for the damages, if I wanted to settle w/o insurance.
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u/navlgazer9 8h ago
Dashcam is worth its weight in gold
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u/method115 9h ago
Damn you didn't take pictures or anything of the wreck?
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u/Significant-Fill-504 9h ago
Oh no, I mean evidence of him admitting guilt. I mean, he t-boned me, I'm not sure how the accident could be construed as my fault. Ofc I have pics of my car and his bumper.
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u/CallMeSkii 7h ago
Use your own coverage, then your carrier will go after them directly. Once that happens then the other person pays your carrier directly or they make a statement to their own carrier.
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u/Significant-Fill-504 7h ago
Even though both of the policies are with State Farm? My claim handler told me it would come from my policy, and there would be two claims, one for me and one for the other guy.
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u/CallMeSkii 7h ago
Yes, if the other guy is unresponsive they will still try to pursue him directly. Even if it is a cross insured.
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u/Simplythebest0820 9h ago
Did you get a police report? Who was shown at fault? But I still believe the driver has to give his reply. Did you offer the text messages showing that he was admitting fault if not run it through your insurance and let them subrogate Gate with his.
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u/Significant-Fill-504 9h ago
I offered insurance text message evidence, but they said they'd have to have something like dashcam footage or a video of him admitting guilt.
I did make a police report, because the driver initially gave me a fake name and phone number. PD ran the plate and found the owner of the truck, who gave PD the name and phone number of the driver.
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u/VagabondCamp 9h ago
That is probably the issue there I’m guessing. Either truck was rented out on Turo or this is a work vehicle or person driving has no license.
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u/Simplythebest0820 9h ago
Definitely something fishy. I'd bring all this to State Farm's attention if you haven't already.
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u/Significant-Fill-504 8h ago
Will do, although I listed the police report number when I made the insurance claim and they were able to pull the report.
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u/Significant-Fill-504 8h ago edited 8h ago
It was his buddy’s truck, I found both of them on Facebook/instagram. The driver is a sketchy guy, probably in his 60’s. Unrelated, but he was forced to step down as president of a rodeo association for either embezzling money or sexual misconduct (there’s an article but it didn’t specify).
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u/GuvnaBruce HO/Auto Liability 14 years 9h ago
Not really, if they do not want to cooperate then coverage will be denied. Use your own coverage.