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Accident & Insurance
Ok so the story goes:
Hopping off the highway, exit lane starts as one lane, splits into two lanes that turn right, and then at the end a third lane that turns left at the very end. I'm following this yellow jeep off the highway, I already notice they are weaving a little but don't think too much of it (probably a mistake). The exit splits into the two 'right turn' lanes, the jeep stays in the far right lane and slows down, I move into the left 'right turn lane' to pass slowly. As I'm mostly past the jeep I hear a thunk - the jeep crosses the lane and lightly hits the side of my car. We keep going, both take a right, and immediately pull into a parking lot. She's on the phone with the cops as soon as I get out of the car, and doesn't act too friendly when I walk up to her - ok fine. Cop comes, I tell my story, and her story goes that she was in front at the time of contact, and I somehow clipped her going around her. Cop says, it's her word vs mine, and doesn't determine anyone to be at fault in the report.
So I'm thinking, I'll contact my insurance, they'll send out an adjuster, adjuster will see that the contact just in front of my right rear wheel, and will determine there's no way for me to 'clip' her rear bumper (btw an old jeep with banged up bumpers, no evidence of contact on her jeep).
Time goes by, police report is published after 2 weeks of waiting, insurance company calls me to check in. I tell them I'm going to file with the lady's insurance (Chubb) - my insurance (Geico) basically then tells me that they will likely refuse, and they (Geico) wouldn't be able to go after them either because it's her word vs mine and the adjuster looking at the car would not make any difference. Despite the fact that according to her story, the damage would have been on the front fender not the rear.
Not much experience with accidents and insurance (thankfully) - can anyone provide advice on how to pursue?
I plan to file a claim with the lady's insurance anyways, but is the agent from Geico right that I'm out of luck and just have to pay my $500 deductible because some lady driving a jeep was texting on her phone and drifted into me? Seems horribly unfair.
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