Why should I accept liability if it wasn't my fault?
LAS VEGAS -- I am a young driver, 19, but I have been with State Farm under my moms policy since I was 16, and she has been with State Farm for much much longer with several cars and her house on the policy. I had never had a major accident before and until now I would say that any dealings I have had with State Farm went in my favor and they were always very fair.
so anyway this is what happened, we were on a major street waiting to make a left turn from the turn lane onto a small side street. where we were making the left turn there was no stop sign or light, it was just one of the left turn medians. there were two lanes of oncoming traffic that were backed up to the next light so both cars left a gap and polietly waved us through. we were creeping around the corner halfway into our turn when we were hit. apparently a ford expedition had decided it was OK to cut across the traffic at the backed up light by using the right hand turn only lane, and in doing this he basically t-boned us on the passengers side, where I was seated. the side air bags deployed and we spun in a full circle across the street hitting another car and pulling them into the wreck, finally it ended when we went over the curb and hit a palm tree. luckily there was no major injuries to anyone, I suffered the most with a very badly bruised forearm and sore back. the guy in the ford expedition claimed full responsibility for the accident at the scene, it was pretty obvious the whole thing had been his fault...I mean he was going at least 40 mph, not paying attention, and cutting through a right turn only lane( by this I mean that there were two lanes designated as through traffic and the third lane was right turn only onto the side street we were turning on, but instead he went straight through the turn lane.) it was horrible but at least I thought, OK it was his fault totally everything will be good and my car will get repaired off of his policy. this was before I realized that the accident wasn't nearly as bad as dealing with the robots at State Farm, I say robots because they must not have any feelings at all. when we first made the claim no one would give us answers on how the process works and we got calls from so many different people we didn't know who was who, and no one at our agents office could give us any answers. then finally the guy at fault in the expedition adjusters got in touch with my mom because she is the main policy holder, by the way he has State Farm also. they told my mom that the accident was split 50 50 for liability and she demanded that was ridiculous. they were so rude to her and even yelled and hung up on her. this was before they even had the police report! we got the report ourselves because they said it would take them 2 weeks to get it. once they had the report which cited the ford with full liability and no one else with any citations they decided that he was 80% liable and I was 20%. my mom still did not accept this and asked if the woman had looked at the police report my mom faxed. Megan Nelson, the opposing cars State Farm adjuster, informed my mom very rudely that it didn't matter what the police report said and that her decision was final and that's all my mom would get and then hung up on her. my mom talked with several of his adjusters and each time they said they same thing, all were very rude people who were trying to manipulate her into agreeing to the 80 20 split, but she stood her ground and denied them. finally our adjuster call my mom, and she is a nice sweet lady who doesn't seem interested in fighting for our side at all. my mom told her, aren't you supposed to be trying to get us not to have liability? her response was I tried to get them to go 90 10, I even called a round table! but they wouldn't budge. she then explained to my mom that a round table is when all the adjusters on the case meet and they re-inact the accident with toy cars to determine who is at fault. am I the only one that thinks this sounds insane! a bunch of idiots sitting around a table playing with cars get to decide my financial fate? I can't believe this is common practice in this company.
so basically State Farm, will screw you over just because they think they can get away with it. I don't understand at all. me and the driver at fault have the same flippin insurance company! why did State Farm decide to back him up? why did they put all the hard hitting adjusters on his side and give me little mis sunshine? it makes them seem really stupid. isn't the reason I have insurance to be protected when I become a victim? but instead they victimize you more.
now I have an attorney talking to them since they wouldn't even talk with us after many times of being hung up on. it doesn't seem like they are going to budge though. They even sent us an $800 check, 80% of the $1000 deductible, without my moms consent to that deal. they were just hoping we would cash it so they could close they case, they are so sneaky! the sad part is if I had more injuries this could have been a case that went to court, but since I'm still walking, well its just not worth the attorney fees. so while my little hyundia accent sits totaled by that huge expedition in some junk yard I'm without a car and probably won't see much money to buy a new one, thanks a lot neighbor...I'm switching to Geico at least they have a cute lizard