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Posted: 1/29/2015 7:10:41 PM EDT
Here are the facts. Back in August 2014 I was rear ended by a driver on the freeway. A few seconds after they were also hit from behind and hit me a second time. The other two drivers and myself all have insurance.

The driver that was behind me said they never hit me and only bumped into me after she got hit. The driver in the third car back has refused to talk to her insurance. After dealing with this for the past 6 months here is where I am at.

The insurance company of the driver that hit me says they are not at fault and won't settle. The insurance company of the third car says their driver won't acknowledge being in a crash so they won't settle. My Insurance company said they "can't force the other companies to accept responsibility and I am out my $1000 deductible.  I have pictures of all cars involved, video of the aftermath, pictures of their drivers licenses and insurance cards!!!

Here is the really bad part. Three months ago I started getting very bad back pain. I got x-rays and they show damage to a disk in my lower back. I haven't had back problems before the crash and I don't ever do hard labor or any lifting at my job. I am going to see a specialist about it to find out more info.

Where should I go from here? Please help as I am out of my element. Thank you in advance.

Edit:
It happened in CA. Police were not called. At the time I didn't know I needed them to respond with all the pictures and video I took. A giant mistake on my part.  I even have a witnes on file. A fellow motorist, not related to me or in my car.
Link Posted: 1/29/2015 7:13:39 PM EDT
[#1]
Link Posted: 1/29/2015 7:14:03 PM EDT
[#2]
Lawyer up. Sue your insurance company.  They will sue the other insurance companies in turn.

Insurance companies are not there to insure anyone. They are there to make a profit.
Link Posted: 1/29/2015 7:14:21 PM EDT
[#3]
Lawyer
Link Posted: 1/29/2015 7:15:05 PM EDT
[#4]
Link Posted: 1/29/2015 7:15:15 PM EDT
[#5]
Were the police called?
Link Posted: 1/29/2015 7:15:49 PM EDT
[#6]
should have contacted a competent accident injury lawyer in august of 2014, probably still can
Link Posted: 1/29/2015 7:16:36 PM EDT
[#7]

Discussion ForumsJump to Quoted PostQuote History
Quoted:


Lawyer up. Sue your insurance company, give the lawyer most of it, enjoy your pain and suffering.  They will sue the other insurance companies in turn.



Insurance companies are not there to insure anyone. They are there to make a profit.
View Quote
fixt



 
Link Posted: 1/29/2015 7:16:58 PM EDT
[#8]
This...If you expect your insurance co. to do the right thing you will still be disappointed this time next year. Lawyer up and put their balls in a vice...
Link Posted: 1/29/2015 7:17:37 PM EDT
[#9]
What state are you in?
Link Posted: 1/29/2015 7:17:41 PM EDT
[#10]
Sorry for your luck OP.

You need a lawyer. Things will move along at an accelerated pace.
Link Posted: 1/29/2015 7:18:12 PM EDT
[#11]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
should have contacted a competent accident injury lawyer in august of 2014, probably still can
View Quote


In Ohio you have 2 years to settle.  Get on it pronto.  The sooner the better.
Link Posted: 1/29/2015 7:18:25 PM EDT
[#12]
You need a personal injury lawyer.

Link Posted: 1/29/2015 7:19:45 PM EDT
[#13]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
Were the police called?
View Quote

This, what does the police report say?
Link Posted: 1/29/2015 7:23:45 PM EDT
[#14]
Since when do insurance companies have the sole discretion to just say no to a claim???  Where is the police report?
Link Posted: 1/29/2015 7:27:04 PM EDT
[#15]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
Lawyer up. Sue your insurance company.  They will sue the other insurance companies in turn.

Insurance companies are not there to insure anyone. They are there to make a profit.
View Quote

Link Posted: 1/29/2015 7:29:03 PM EDT
[#16]
Call attorney.



Insurance will likely start cooperating right quick.
Link Posted: 1/29/2015 7:32:39 PM EDT
[#17]
"won't acknowledge being in a crash"

WTF.  There are things called accident reports, DMV, etc.  Don't tell me you all just drove away....

This sounds like something is missing.
Link Posted: 1/29/2015 7:33:16 PM EDT
[#18]
Was the police involved?
Link Posted: 1/29/2015 7:37:58 PM EDT
[#19]


Discussion ForumsJump to Quoted PostQuote History
Quoted:



Lawyer up. Sue your insurance company.  They will sue the other insurance companies in turn.





Insurance companies are not there to insure anyone. They are there to make a profit.
View Quote





 

This. Your insurance company is there for this, it's what you pay them for, and they've fucked you.







Make them pay.




ETA, you mention nothing about police, that's bad. I'm gonna guess that's where the failboat set sail.

 
Link Posted: 1/29/2015 7:39:05 PM EDT
[#20]
Man, the whole system is screwed.  How can you be at fault if you're rear-ended,
no matter what happened behind you? You'd think your insurance co would actually
support you.  Lawyer up, someone will jump on this case and add emotional suffering,
loss of wages, fear of driving, sexual impotence & anything else they can think of.

Man, the whole system is screwed.
Link Posted: 1/29/2015 7:39:17 PM EDT
[#21]
Yep, lawyer up.
Link Posted: 1/29/2015 7:40:36 PM EDT
[#22]
Do us all a favor and name the 3 insurance companies....
Link Posted: 1/29/2015 7:41:11 PM EDT
[#23]
lawyer.
Link Posted: 1/29/2015 7:42:58 PM EDT
[#24]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
You need a personal injury lawyer.

View Quote

Link Posted: 1/29/2015 7:43:01 PM EDT
[#25]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
Was the police involved?
View Quote


I'm guessing no as this would be a non issue with a police report.
Link Posted: 1/29/2015 7:43:24 PM EDT
[#26]
It happened in CA. Police were not called. At the time I didn't know I needed them to respond with all the pictures and video I took. A giant mistake on my part.
Edit: I even have a witnes on file. A fellow motorist, not related to me or in my car.
Link Posted: 1/29/2015 7:45:21 PM EDT
[#27]
As others above said, where is the accident report?

Because leaving the scene of an accident involving injury is usually a criminal charge.

If you were hurt enough to do injury, there should have been enough damage for a police report.

Edit:

Lawyer up then.  If you have video showing the cars entangled or still stuck together they may be able to do something.

Complete idiocy not filing an accident report either yourself after, or calling the popo on scene.
Link Posted: 1/29/2015 7:46:28 PM EDT
[#28]
Police report will tell who was at fault...no police report ....it is like GD...pics or it didn't happen. You can litigate this all you want but if the police were not brought in you will be SOL.
Link Posted: 1/29/2015 7:49:44 PM EDT
[#29]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
It happened in CA. Police were not called. At the time I didn't know I needed them to respond with all the pictures and video I took. A giant mistake on my part.
Edit: I even have a witnes on file. A fellow motorist, not related to me or in my car.
View Quote


ALWAYS, ALWAYS, ALWAYS get a police report!!!
Link Posted: 1/29/2015 7:51:33 PM EDT
[#30]
Link Posted: 1/29/2015 7:52:09 PM EDT
[#31]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
Lawyer
View Quote

Link Posted: 1/29/2015 7:54:47 PM EDT
[#32]

Discussion ForumsJump to Quoted PostQuote History
Quoted:





View Quote View All Quotes
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Discussion ForumsJump to Quoted PostQuote History
Quoted:



Quoted:

Lawyer


Without a police report he is fooked.

 
Link Posted: 1/29/2015 7:55:42 PM EDT
[#33]
Lawyer up
Link Posted: 1/29/2015 7:58:10 PM EDT
[#34]
Quoted:
Here are the facts. Back in August 2014 I was rear ended by a driver on the freeway. A few seconds after they were also hit from behind and hit me a second time. The other two drivers and myself all have insurance.

The driver that was behind me said they never hit me and only bumped into me after she got hit. The driver in the third car back has refused to talk to her insurance. After dealing with this for the past 6 months here is where I am at.

The insurance company of the driver that hit me says they are not at fault and won't settle. The insurance company of the third car says their driver won't acknowledge being in a crash so they won't settle. My Insurance company said they "can't force the other companies to accept responsibility and I am out my $1000 deductible.  I have pictures of all cars involved, video of the aftermath, pictures of their drivers licenses and insurance cards!!!

Here is the really bad part. Three months ago I started getting very bad back pain. I got x-rays and they show damage to a disk in my lower back. I haven't had back problems before the crash and I don't ever do hard labor or any lifting at my job. I am going to see a specialist about it to find out more info.

Where should I go from here? Please help as I am out of my element. Thank you in advance.

Edit:
It happened in CA. Police were not called. At the time I didn't know I needed them to respond with all the pictures and video I took. A giant mistake on my part.  I even have a witnes on file. A fellow motorist, not related to me or in my car.
View Quote

CA has specific rules about that kind of accident. If there is a dispute, the rule is that the car that hit you covers your insurance and the car that hit him covers his etc. Your insurance should cover you in the mean time and then go after the other persons insurance for reimbursement. You might need to talk with a lawyer to kick them in the butt and get things rolling.
Link Posted: 1/29/2015 7:59:56 PM EDT
[#35]
Maybe MI No Fault isn't so bad after all
Link Posted: 1/29/2015 8:00:50 PM EDT
[#36]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
Were the police called?
View Quote



OP says they were not.  

OP, name your insurance company.
Link Posted: 1/29/2015 8:01:42 PM EDT
[#37]


       
Discussion ForumsJump to Quoted PostQuote History
Quoted:


It happened in CA. Police were not called. At the time I didn't know I needed them to respond with all the pictures and video I took. A giant mistake on my part.

Edit: I even have a witnes on file. A fellow motorist, not related to me or in my car.
View Quote
3 car accident and no call to police??????????   Dug your grave right there and only an uphill battle from here. Once you lawyer up, this will be used very strongly against you.  Good luck.



 
Link Posted: 1/29/2015 8:01:55 PM EDT
[#38]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
Do us all a favor and name the 3 insurance companies....
View Quote

Link Posted: 1/29/2015 8:03:25 PM EDT
[#39]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
Without a police report he is fooked.  
View Quote View All Quotes
View All Quotes
Discussion ForumsJump to Quoted PostQuote History
Quoted:
Quoted:
Quoted:
Lawyer

Without a police report he is fooked.  


No he's not.

Also, police reports aren't gospel - they get things wrong quite frequently. They're not even admissible here, because they're pure hearsay and because the cop is just filling out what other people told him, and what he saw in the aftermath.
Link Posted: 1/29/2015 8:05:20 PM EDT
[#40]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
It happened in CA. Police were not called. At the time I didn't know I needed them to respond with all the pictures and video I took. A giant mistake on my part.
Edit: I even have a witnes on file. A fellow motorist, not related to me or in my car.
View Quote


You are fuxterd
Link Posted: 1/29/2015 8:06:01 PM EDT
[#41]
WTF, lawyer up, no need for you to go thru this crap.
Screw their insurance companies, they hit you from behind, they are at fault.
Link Posted: 1/29/2015 8:10:43 PM EDT
[#42]
Link Posted: 1/29/2015 8:10:48 PM EDT
[#43]
The witness should help.   Get a lawyer and start kicking insurance butt.
Link Posted: 1/29/2015 8:12:39 PM EDT
[#44]
Discussion ForumsJump to Quoted PostQuote History
Quoted:

View Quote View All Quotes
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Discussion ForumsJump to Quoted PostQuote History
Quoted:
Quoted:
Do us all a favor and name the 3 insurance companies....



Allstate is mine. The others in order are Infinity and Foremost / Coast National
Link Posted: 1/29/2015 8:12:59 PM EDT
[#45]
Link Posted: 1/29/2015 8:14:18 PM EDT
[#46]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
Lawyer
View Quote


I can't believe it took OP six months and a post in GD to figure this out.

Link Posted: 1/29/2015 8:17:43 PM EDT
[#47]
I was rear ended in a similar chain rear-ender on the feeway.  Three cars behind me rear-ended each other, and I was the last car in the front that was rear ended.  I didn't hit the guy in front of me because I left plenty of room for the stop during rush hour.   I only got insurance info for the guy who hit me, as no one else hit my vehicle.  I got an attorney, and the issue settled pretty quickly.  Fortunately, although they hit me hard enough to twist the drivers seat in my vehicle a bit, my back and neck were mostly OK.
Link Posted: 1/29/2015 8:19:20 PM EDT
[#48]
Better call Saul.
Link Posted: 1/29/2015 8:21:22 PM EDT
[#49]
Bob Loblaw....
Link Posted: 1/29/2015 8:23:01 PM EDT
[#50]
Discussion ForumsJump to Quoted PostQuote History
Quoted:


No, that isn't how police reports work.  Sorry, but I'm guessing you aren't a cop who has been called into court to testify in civil cases regarding what you were told, as well as what you saw.
View Quote View All Quotes
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Quoted:
Quoted:


No he's not.

Also, police reports aren't gospel - they get things wrong quite frequently. They're not even admissible here, because they're pure hearsay and because the cop is just filling out what other people told him, and what he saw in the aftermath.


No, that isn't how police reports work.  Sorry, but I'm guessing you aren't a cop who has been called into court to testify in civil cases regarding what you were told, as well as what you saw.


Yes, it is how police reports work. Or, rather, don't work. I'm guessing you're not a lawyer who has ever actually tried a case. The police report itself is hearsay (or at least full of hearsay). It's not coming in. The officer, like any witness, can testify to things he directly observed. Report can be used to refresh his recollection if needed, but it's still not coming in. And yes, they get shit wrong all the time and the honest ones will amend the reports.

But it's always fun to watch cops play "lawyer" on the Internet, so please, continue ...

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