What should i do in a no fault auto accident?

Question:

A few days ago, i got into an car accident. The situation was that I entered an intersection to make a left turn. The light was green. I waited in the intersection to make the left turn, yielding to oncoming traffic. While waiting the light went from yellow then to red. After the light turned red i went ahead with the left turn to get out of the intersection.An oncoming car ran the light and hit me. When the police came, NO citation was issued to either party. Reason being the other parties unclear description to what happened. As far as i was concerned we were both going to take care of our own cars. The other parties insurance company then called me a few days later informing me they were making a claim against me and the accident was my fault because i " failed to yield". I was then instructed by my insurance agent to file a claim to protect myself. The problem with this whole thing is there was no witnesses on the light colors during the accident. I was told in that case the insurance companies go off of statistics. Which in that case most of the time the person making the left turn is at fault. I want to know if there is anything i can do? This is my first accident and i would really appreciate some advice.

Answer:
Tell your insurance claims adjuster your version of the facts. Depending on which lane the point of impact happened, you may have less fault than the other driver. Just because the other driver had a green light, they have the duty not to enter into an intersection until the intersection has been cleared and it is safe to enter the intersection. ALWAYS try to get a witnesses information when ever you get in an accident if you have any. Otherwise it is word against word, BUT you will most likely have a portion of the blame for the person turning left usually does own most of the blame.

get a lawyer... you had the right of way considering that you had crossed the white line BEFORE the light turned red. if you dont get a lawyer u are pretty much skrewed becuase u will never win against a cop.

No don't get a lawyer - this is what your insurance is for. Your insurance should handle the claim the other party makes - hopefully you have decent insurance and not survival or something like that. You might as well call the other party's insurance that hit you and file a claim with them saying their insured hit you. Honestly, this should all be handled by your ins. company.

all I know for a fact is you only have up to 30 days from the date of the accident to report,talk to lawers,etc...due to statue of limitations,after 30 days your automatically guilty,happenend to me.hurry dont wait..get a move on ...trust me

Was there a police report taken? I'm assuming that there was no left turn lane and you entered the intersection to turn and was caught as the light changed thus technically making you illegally turning into oncoming traffic. You need to get a copy of the police report. In any accident you should report it because it can get very costly. That's why we pay into a policy so that we could have some helping us out. I can see this going bad for you financially because the other party has drew first blood and can begin trumping up the pain and suffering, medical etc.. As for insurance companies using stats, it 's true. They've use them all the time and that's how they come up with the premiums. P.S.This will not be a No-fault Accident. Good luck

If the Police made an accident report, then call them up and send necessary fees to get a police report. Find out whether any CCTV were nearby that may have the video. Depending upon the claim amount and your financial condition, think about hiring a lawyer. The retainer fee is often hefty at a good law firm. Ask questions to your insurance company and make sure they fight for you. Do not talk with the other insurance company and tell them that you were turning on red.

I hope this helps.

What should i do in a no fault auto accident?

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