So about 4 months ago I got insurance for myself for a car I purchased. I had never had insurance prior to that due to me having a car paid off in my mothers name so she just paid for the insurance. Then about 2 years ago I was driving my mothers car to a dr appointment and this car in front of me hit another car in front of them (3 lane highway, middle lane) so I corrected into the right lane to avoid collision (and also managed to avoid hitting a vehicle who was now behind me now being in the right lane from correcting) and as I was getting into the right lane to try and avoid collision, the way the car in front of me in the middle lane had his car swerve into the right lane clipping the front of my car cause of the way he impacted the car in front of him.
The guy didn't have insurance or a drivers license and caused a 4 person wreck. The person who caused the wreck told the officer he blacked out (like any of this matters) no other claims were made on my moms insurance policy other than them fixing her car because the guy didn't have insurance. Now, 2 years later my insurance (in just my name now for the first time) has already been through underwriting because her insurance company put me at fault. I've tried to dispute this with Lexis Nexis and basically was told I need to dispute that with my mothers former insurance company. She's no longer with this company any longer. It's caused my insurance policy to go up and it's extremely frustrating because I don't know how to go about disputing this and I don't have any evidence. I do remember the state trooper saying I was not at fault, but somehow my mothers insurance company said I was at fault. Please help! Thank you.
The guy didn't have insurance or a drivers license and caused a 4 person wreck. The person who caused the wreck told the officer he blacked out (like any of this matters) no other claims were made on my moms insurance policy other than them fixing her car because the guy didn't have insurance. Now, 2 years later my insurance (in just my name now for the first time) has already been through underwriting because her insurance company put me at fault. I've tried to dispute this with Lexis Nexis and basically was told I need to dispute that with my mothers former insurance company. She's no longer with this company any longer. It's caused my insurance policy to go up and it's extremely frustrating because I don't know how to go about disputing this and I don't have any evidence. I do remember the state trooper saying I was not at fault, but somehow my mothers insurance company said I was at fault. Please help! Thank you.