Car Insurance: Lane Dispute Claims - Get the Facts

January 27, 2012

Trying to negotiate and settle car insurance lane dispute claims can be difficult at best and can often result in a lot of frustration and even in the significant delay of a claim being paid. Most car insurance companies don't make the task any easier as they will generally side with their insured driver until some sort of proof indicates otherwise. In some cases of a lane dispute, it is often difficult to ever tell who was actually at fault.

Common Types of Disputes

There are many common types of lane disputes argued when trying to assess fault in an accident. Drivers will claimed that the other driver cut them off, illegally changed lanes without signaling or even swerved over into his/her lane. Many drivers will deny liability in a lane dispute regardless of the facts. Therefore, lane disputes are often settled with corroborating evidence and testimony from other witnesses or other physical proof.

Because lane disputes can often delay the payment and settlement of the car insurance claims for months, or sometimes even years, it is important that you get names, address information and telephone numbers from any witnesses at the scene of an accident. If you are sure that the other driver is at fault, you will usually require more than your word to convince the other driver's insurance company.

Insurance Adjuster Investigations

Many times, when there is a lane dispute in an accident, one or both of the insurance companies will send an insurance adjuster to investigate the car accident. The insurance claims adjuster may visit both drivers to try to discern the facts of the accident and will probably contact any witnesses to the accident and also review the police reports.

Because sometimes there are no witnesses to an accident, or sometimes witnesses are not willing to come forward, insurance adjusters may have a hard time actually determining fault in the accident. When this is the case, the insurance adjuster may simply try to relegate fault to the other driver in order to have the other driver's insurance company pay the claim.

It is important to be as helpful as possible to the claims adjuster who is investigating the claim. If the claims adjuster approaches you and asks questions about the accident, be as truthful as possible and try to relay the facts of the accident in a clear and concise manner. Even if the other driver’s insurance company sends a claims adjuster to speak with you, be polite and courteous and simply state the facts as you remember them.

Negotiating a Settlement

Often times, a lane change dispute can go on for months and months. So, there may come a time when you will have to negotiate a settlement with your insurance company and the other driver's insurance company. Because fault can be hard to discern in lane change disputes, a common practice is to assess a 50/50 liability to both drivers in the accident. While someone loses in this type of some situationthe driver who was really not at faultit is usually the best way to avoid lengthy and potentially costly litigation in the courtroom.

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