Hi, can anyone help with this situation?

On April 20th, my wife had an accident where she swerved to avoid a cat and hit a tree. She was very nervous and didn’t take any photos at the time. A nearby family heard the crash and came out to help her.

The car was sent to the official Honda Workshop for repairs. The insurance adjuster gave an initial quote but seemed suspicious of our claim. They sent a third-party adjuster to interview us on May 15th, saying there’s no proof the accident happened where we said. They mentioned the lack of brake marks and the tree not being damaged as reasons for their suspicion.

I have provided some evidence, like call logs, a notification from Honda saying the airbag deployed, trip logs showing the accident location, and invited the helpful family to confirm this.

Since then, the adjuster has not replied, and today is June 21st. I’ve called the Insurance multiple times, but they say they’re still waiting on the adjuster. I've also tried contacting the adjuster directly several times but haven't received any response or callbacks.

So what can I do... It's being 2 months now since the accident..

Dashcam is a must on every car

Sorry for you TS.

First, it’s lucky no one was seriously hurt in the accident.

Second, if your wife had the presence of mind to take a photo of at the accident scene a lot of your concerns could have been alleviated - but, it’s hard to imagine how she must have felt at that point in time, so a photo was probably the last thing on her mind

Third, which insurance company was this, so we can all avoid it like the plague in the future?

All the best.

curious, didnt your wife phone you after accident and you didnt advise her to take pics? you have to admit its kinda strange if no pics

Unfortunately I'm on the side of the insurance company. We are all tought to document every MVA for claims purposes. Don't tell me the car wasn't even photographed once for insurance claims purposes? Even in a fender bender you are instructed by police to give any supporting evidence or its a case of he said she said.

Whats to stop someone from doing fraud?

lack of brake marks and the tree not being damaged as reasons for their suspicion.

I would be suspicious too. That's why rule of thumb is never move the car until pics are taken. Once moved without pics everyone can say anything they like.

True, true. I automatically assumed that all on /k are honest and good people. My mistake.

i thought police report need to be made and they will investigate?

1. Her left hand and mouth were injuired, imagine how strong it hit the tree, even the airbag pop out..

2. My sister did took the photo. But adjuster said it is insufficient.. Because it might we "fraud" the accident then took the photo.

3. xxxx

This post has been edited by 12e1121: Jun 21 2024, 05:01 PM

No pics on the spot still ok . U can retake later if u dint langgar anyone but police report and then pics taken by the IO and a saman for 300 is a must . U dint do any one this ?

Reported to police at that night, and no action taken from police also.

My sis took the photo, but adjuster said it is insufficient..

I have the dashcam but the memory card rosak lol

for an airbag to deploy, it should required a considerated force/impact from crash. but the tree has no damages found? is that possible?

OK liberty insurance it is. Next time get proper insurance la

LOL after that personal loan thread where some fuckers decide not to pay their loan for x amount of years thinking it's okay?

Nah some of us should be canned for being shitty citizens

I'm confused. Your sister took the photo at the scene on the spot or went back and take photo afterwards?

Photo is car and impact on tree? Or car removed from site? Please answer and do know you are liable to be sued for defamation if you simply accuse a company if that's what you are after. So don't name the company if your case belum settle

This post has been edited by Avangelice: Jun 21 2024, 04:59 PM

Even in lowyat TS explanation a bit dodgy. First say no pics suddenly sister take pics when questioned. If I'm adjuster I also feel sus

I also can't explain why the tree didn't have obvious damage Despite looking thin, it's surprisingly tough.