We are all witnesses

By on March 24, 2010 at 7:55 AM

Posted in: Claims

Guest Blogger: Monica M., claims supervisor in Lakeland, FL

Recently, a friend of mine got in an auto accident. When he told me about it, he was adamant that he’d had a green light; that the other party violated his right of way. Unfortunately for him, there were several witnesses who contradicted his version of events. His insurance company paid the claim and had to rightly consider him at fault.

His experience made me contemplate how often people drive by an accident they witness and don’t stop. People think that “everyone looks fine” or “it’s clear which driver was at fault.”  They don’t realize how often the parties involved see things very differently from each other. Without an independent third party, it’s “he said; she said.”

Does the claim get paid? Sadly, there is sometimes insufficient evidence to sort out the responsible party. Claims often don’t resolve as neatly as an episode of CSI.

Furthermore, just because everyone looks OK at the scene doesn’t mean they won’t claim injuries later. Getting an independent witness’s account of how the injured party acted at the scene can be eye-opening to a plaintiff’s attorney contemplating taking the claim into a courtroom.

So next time you witness an accident, take a few moments to safely pull over and let your voice be heard. Your account usually has more weight for the police officer at the scene than the parties involved in the loss, because you have no financial interest in the outcome. Like me, your life is busy, but just a few moments can have a huge impact on the people involved, and can even ensure that justice is served.

2 responses to “We are all witnesses

  1. Casey says:

    At the time of the accident when the Police are cellad in is usually the time to let them know that you need medical attention. The Police would call an ambulance and possibly escort the ambulance over to the hospital.Her mom’s car insurance should provide for medical benefits for this purpose as third party. That is the reason they are asking for bills. She should speak with a Geico rep and they will explain in details what her insurance covers, and whether it’s a reimburseable expense.

  2. Roman says:

    Unquestionably incorrect! The ospopite is right as a matter of fact. Insurance companies base their rates on several different factors, some of which are make and model of the car being insured, how much of a deductible you want to pay, (the less your deductable, the more you pay) what coverage you choose, driving record, past accidents, gender, and age too. Younger than 25 year ancient males pay a higher rate than females under 25. they have ranges of age after 25 to determine your rate.For example 25-31, 32-40, 41- 49, 50-65 and over 65. whether you are married or release is also a factor. I was a cab driver in N.Y. for a company that also was owned by an insurance company, and this was a pretty common question.