"George Macdonald" <fammacd=!SPAM^nothanks@tellurian.com> wrote in message
news:kq0580hsrehv1gtuej4s7aovusfof8hgca@4ax.com...
>
> See above - he has no coverage for collision. Why would his insurance
> company get involved?

I would believe that his insurance company would get involved. First off,
his vehicle was not in motion, therefore, the damage done to it, should be
covered under his comprehensive coverage. Collision coverage is to cover
your vehicle if you are operating your vehicle and do damage to it.

--
Brian

www.accesswave.ca/~orion

A member of Cauce Canada

www.cauce.ca

 

That is incorrect....collision coverage is used with contact from any motor
vehicle whether parked or moving. The only type of collision that is
covered under comprehensive is due to animal collision (striking a dog, cow,
horse, etc). And even then, the policyholder can choose which coverage to
use, should one be more advantageous over the other.

"Brian Smith" <Halifax@NovaScotia.Canada> wrote in message
news:JEvgc.29871$kc2.419660@nnrp1.uunet.ca...
>
> "George Macdonald" <fammacd=!SPAM^nothanks@tellurian.com> wrote in message
> news:kq0580hsrehv1gtuej4s7aovusfof8hgca@4ax.com...
> >
> > See above - he has no coverage for collision. Why would his insurance
> > company get involved?
>
> I would believe that his insurance company would get involved. First off,
> his vehicle was not in motion, therefore, the damage done to it, should be
> covered under his comprehensive coverage. Collision coverage is to cover
> your vehicle if you are operating your vehicle and do damage to it.
>
> --
> Brian
>
> www.accesswave.ca/~orion
>
> A member of Cauce Canada
>
> www.cauce.ca
>
>

 

UPDATE :
The driver of car #2 - is not the owner of the car they were driving.
The car #2 owner is someone else in the same state. How does this
change my situation in getting my car fixed and repaired ? Does this
change the liability situation ? I'm not sure if the driver of car # 2
was insured or not. I have uninsured motorist protection, but if car #
2 itself (NOT THE DRIVER) is insured what does it do for me ?

I hope this info update will help.

Insurancehelp2004@yahoo.com (InsuranceHelp2004) wrote in message

news:<71f632b0.0404170844.67697a6f@posting.google. com>...
> 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.

 

On Sun, 18 Apr 2004 10:46:20 -0300, "Brian Smith"
<Halifax@NovaScotia.Canada> wrote:

>
>"George Macdonald" <fammacd=!SPAM^nothanks@tellurian.com> wrote in message
>news:kq0580hsrehv1gtuej4s7aovusfof8hgca@4ax.com.. .
>>
>> See above - he has no coverage for collision. Why would his insurance
>> company get involved?
>
>I would believe that his insurance company would get involved. First off,
>his vehicle was not in motion, therefore, the damage done to it, should be
>covered under his comprehensive coverage. Collision coverage is to cover
>your vehicle if you are operating your vehicle and do damage to it.

May depend on where you live. Where I live I don't have to "believe" -
"motion" has nothing to do with it. IME if someone collides with your
stationary car it's a umm, collision.

Rgds, George Macdonald

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

 

I don't think this update will be of any help to you. The previous
posting from Larry says it all--since you did not have collision
insurance, Geico(or any company you had) has no responsibility in your
case. Now you know why people pay extra for collision insurance--your
company will pay no matter whose fault it was--even your own. They then
sue the other insurance company or companies to recover what they paid
you--this is called subrogation. Your only recourse now if the other
insurance companies won't accept liability is to sue them. This of
course will cost you some money, but you may get them to settle with
you. Sorry I don't have better news.
Ken

 

Are any of the people who have responded to this a GEICO employee or an
employee of another insurance company?
I'm neither, but have had my fair share of MVA's along with my wife and
three teenagers.
The only thing that I can agree with is that no collision coverage, you are
SOL. If any of the other vehicles were insured by GEICO, they may waive a
deductible. If you want to spend a lot of time calling and making contact
with each of the other insurance companies, somebody might be willing to
write you a check and get you off of the list of people to deal with.
I personally think you need the services of an attorney and start filing
small claims suits against everybody involved. As far as the police report
is concerned, unless there is a major mistake, like the "North" arrow is
point southbound on the diagram, he said, she said, will not get changed.
Bottom line, write this off to an expensive lesson in life, change insurance
companies, and take the loss off your 2004 taxes.
"InsuranceHelp2004" <insurancehelp2004@yahoo.com> wrote in message
news:71f632b0.0404170844.67697a6f@posting.google.c om...
> 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.

 

I don't know where you are, but it was explained to me once in Texas that
the owner of the car is liable for damaged caused by it, whether he/she/it
was driving or not. I think you should sue them all (car #1, Car #2, driver
of #2).

On 4/18/04 4:04 PM, in article
71f632b0.0404181304.72e0a411@posting.google.com, "InsuranceHelp2004"
<insurancehelp2004@yahoo.com> wrote:

> UPDATE :
> The driver of car #2 - is not the owner of the car they were driving.
> The car #2 owner is someone else in the same state. How does this
> change my situation in getting my car fixed and repaired ? Does this
> change the liability situation ? I'm not sure if the driver of car # 2
> was insured or not. I have uninsured motorist protection, but if car #
> 2 itself (NOT THE DRIVER) is insured what does it do for me ?
>
> I hope this info update will help.
>
> Insurancehelp2004@yahoo.com (InsuranceHelp2004) wrote in message
>
> news:<71f632b0.0404170844.67697a6f@posting.google. com>...
>> 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.

 

Tell Geico you are going to file a complaint to your states insurance
commissioner if they do not take care of this problem for you. You are
paying them to do this.

InsuranceHelp2004 wrote:
> 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 is not responsible for getting involved....they have no contractual
responsibilty as no collision coverage was purchased. When an insurance
company has a duty to respond and they don't, bad faith lawsuits are then
brought against the carrier, which usually costs them millions of dollars
due to punitive damage awards. This is clearly not the case. In the case of
a permissive driver who may or may not have had culpability in this, almost
all policies cover permissive use of the vehicle by someone who has no
ownership of the car. The carrier involvement for the accident would not
change, however, if I were filing a small claims action, I'd include the
driver and owner in the suit to cover my bases.

"lcopps" <LC@yahoo.com> wrote in message
news:tIJgc.13037$l75.3773@newsread2.news.atl.earth link.net...
> Tell Geico you are going to file a complaint to your states insurance
> commissioner if they do not take care of this problem for you. You are
> paying them to do this.
>
> InsuranceHelp2004 wrote:
> > 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.
>

 

Not giving legal advice, but: I would check with Geico and your
local state insurance department to see what the definition is between
collision and comprehensive in your state if you need to. If Geico
doesn't cover this, you could be in a very bad way financially.

This case could easily take years to resolve, not months. You said
Driver #2 was taken to the hospital. This indicates big stakes could
now be involved. Now that both carriers are denying liability, this
could mushroom into a full blown trial with expert witnesses as to
whose fault it was. This type of thing can take many years,
particularly if Driver 2's injuries were significant -- or they claim
that they were.

If you have no coverage, you may need to file suit against all the
drivers and owners at a minimum. Your suit will get some attention
but not likely too much immediately. The carriers certainly aren't
going to feel much pressure to settle with you; you are small fry in
the overall picture. Eventually your suit may be combined with the
other suits that have or will be filed, so that a single court can
sort it all out, particularly as to whose fault it was.

This is complex litigation and you need an attorney. Let me repeat
that, You Need An Attorney. Or maybe find a legal clinic run by a
local law school or such if you can't work the finances. You need
legal help. And probably a part-time job to get enough for another
car.

JM

 

In article <Lxdgc.159460$K91.412550@attbi_s02>, mikein562athotmail@hotmail.com
says...
>> 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 come, look at your car, and try to sort everything out. thats
>what *they* are being paid for.

Unless you have collision insurance, they won't do squat for you. They
only care when their money is involved.
--------------
Alex

 

What you need to do is not worry about who is at fault in the accident,
that is not your problem. If you know for sure which car hit your car,
go after their insurance company. It is then up to that car owners insurance
company to go after the one that is at fault. Make sure that you get
retail value, plus any after market add ons, for your car. You may also
want to consider renting a car in the mean time, and passing along the cost
to the insurance company. It may get ugly and require you to get an attorney
involved.
--------------
Alex

 

In article <JEvgc.29871$kc2.419660@nnrp1.uunet.ca>, Halifax@NovaScotia.Canada
says...
>
>
>
>"George Macdonald" <fammacd=!SPAM^nothanks@tellurian.com> wrote in message
>news:kq0580hsrehv1gtuej4s7aovusfof8hgca@4ax.com.. .
>>
>> See above - he has no coverage for collision. Why would his insurance
>> company get involved?
>
>I would believe that his insurance company would get involved. First off,
>his vehicle was not in motion, therefore, the damage done to it, should be
>covered under his comprehensive coverage. Collision coverage is to cover
>your vehicle if you are operating your vehicle and do damage to it.

You make a good point. I wonder if this type of damage would fall under
comprehensive or collision coverage.
---------------
Alex

 

In article <71f632b0.0404181304.72e0a411@posting.google.com >,
insurancehelp2004@yahoo.com says...
>
>
>UPDATE :
>The driver of car #2 - is not the owner of the car they were driving.
>The car #2 owner is someone else in the same state. How does this
>change my situation in getting my car fixed and repaired ? Does this
>change the liability situation ? I'm not sure if the driver of car # 2
>was insured or not. I have uninsured motorist protection, but if car #
>2 itself (NOT THE DRIVER) is insured what does it do for me ?

Shouldn't make a difference unless the owner of car #2 is going to say
the car was stolen.
---------------------
Alex

 

Its collision, since it is involvement with another motor vehicle. Its
definitely not comprehensive!

"Alex Rodriguez" <adr5@columbia.edu> wrote in message
news:c618sn$gns$22@newsmaster.cc.columbia.edu...
> In article <JEvgc.29871$kc2.419660@nnrp1.uunet.ca>,
Halifax@NovaScotia.Canada
> says...
> >
> >
> >
> >"George Macdonald" <fammacd=!SPAM^nothanks@tellurian.com> wrote in
message
> >news:kq0580hsrehv1gtuej4s7aovusfof8hgca@4ax.com.. .
> >>
> >> See above - he has no coverage for collision. Why would his insurance
> >> company get involved?
> >
> >I would believe that his insurance company would get involved. First off,
> >his vehicle was not in motion, therefore, the damage done to it, should
be
> >covered under his comprehensive coverage. Collision coverage is to cover
> >your vehicle if you are operating your vehicle and do damage to it.
>
> You make a good point. I wonder if this type of damage would fall under
> comprehensive or collision coverage.
> ---------------
> Alex
>