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Incorrect Police Report & Rejected Insurance Claim in a Car Accident

There are many ways that liability can be proven in the event of a car accident. The police report, witness statements, traffic laws, and photographic evidence can all work together to show who was at fault for the accident. However, what can be done if the police report is inaccurate and the other person's insurance company denies all liability for the accident?

How can I receive compensation for an accident?

The first thing a driver can do is to retain the legal services of a knowledgeable Hartford personal injury lawyer who can represent him or her during the case. It is important to not speak with the insurance adjuster on your own, but to instead allow your attorney to handle communication with the insurance adjuster, to avoid incriminating yourself. McCoy & McCoy can represent you and speak on your behalf to fight for the full and fair compensation that you deserve.

Our firm can speak with the insurance adjuster and ask them for the proof that is being used to negate liability. If the adjuster does not send the proper documentation, we will advise you not to accept their claim. When they do send over the legal rule or statute that applies, we can evaluate the documents to assess whether the adjustor is making a valid legal claim to deny compensation.

The second step will be to reconsider the police report. While helpful in determining what happened, the police report may not be an accurate indicator of liability. The police officer may not have been at the scene of the accident when it occurred or their story may not fit the driver's version of events.

When the police report is inaccurate, we can:

  • Remind the adjuster that the police officer was not present at the scene when the accident occurred, and the police report is not actual evidence
  • Report that no citation was issued following the accident
  • Examine the report and determine to see what it actually says
  • Establish that the police report is based on a rough estimation of what occurred

The best thing to do when an insurance claim has been rejected is to get the solid legal assistance our firm offers to make sure that the adjuster knows that the claimant is prepared to fight for their claims. In these instances, the adjuster will likely make a bargain since the cost of going to court is significantly higher than making an agreement with a claimant. However, this bargaining may result in a lower payout than the driver may have initially expected based on the lack of evidence that is strongly in their favor.

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