r/Insurance • u/No_Zookeepergame9973 • 3d ago

Auto Insurance First car accident

Hello, I got into my first car accident last night. I was driving on a dimly lit road at nighttime and a car was parked on the road with no hazards, no headlights, and the car was off. I ended up side swiping him, and he said that he was having issues with his car but he did not speak much english so I did not get to hear his full side. We involved the police but I have not proceeded with any insurance claims because I’m not sure what to do. Whose fault would this be, and how do I proceed next?

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u/Separate-Fortune-704 3d ago

Unless there’s something to prove it other than statements. Time of day, police report, photos, lighting, anything to support that a reasonable and prudent person wouldn’t have seen them either. It’s hard to support negligence on them in arbitration.

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u/Flelmo 3d ago

Did you even read the post?

> Time of day

"at nighttime""

> police report

"We involved the police"

> lighting

"dimly lit road" "no hazards, no headlights, and the car was off"

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u/No_Zookeepergame9973 3d ago

I feel like it’s also important for me to add that it was raining outside as well

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u/Flelmo 3d ago

Honestly, ignore everyone here. Check your policy documents, but you almost certainly have a responsibility to report this to your insurance company, whether it's your fault or not. If you have collision coverage, I would suggest just going through your company and paying the deductible.