My wife was recently in an accident (driving a Honda Civic) with a truck driver. She was stopped at a traffic light at a busy intersection, the truck was next to her and to her left, in a left turning lane. As the light turned green, she started to accelerate slowly (going straight through the intersection), when she says it felt felt like she hit a giant pothole. Then she realized this truck struck her car (it actually lifted her car), and she pulled over and called the police. As you can see it caused a decent amount of damage on our little Civic. My 7 year old boy was in the car with her.
The Police arrive, and the Truck driver claims she swerved into his lane. When my wife called me from the accident, she still in shock. She took a few pictures, but I feel these guys (there were two of them) took full advantage since it was a woman and a little boy. The accident report documents the conflicting stories. My wife says she was going straight and was struck by the truck as he turned left, and the truck drivers story that she swerved into his lane as he was turning. It documents the point of impact on her car as the section from the middle of the car to the rear quarter panel. His point of impact is documented as behind his front bumper to his front door. I do not believe this is accurate as you can see his bumper tore into the section above my wife's rear wheel, ripping the metal apart.
I am really livid about this, we are both defensive drivers with perfect records, but we have a high deductible on our policy and no rental insurance. According to the insurance company adjuster I spoke to yesterday, fault is mostly determined by the "story" the drivers told and only by the damage in 20% or less cases. I am not comfortable with what is happening here. Any opinions or suggestions would be very much appreciated!
Here is a link to the intersection, my wife was driving south on Franklin and the lanes are indicated by the arrows.https://firstname.lastname@example.org ... a=!3m1!1e3