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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 8, 2019

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Insurance Question from Hawthorne, CA

Asked on 02/08/2019

REAR ENDED INSURANCE WONT COVER ANYTHING I was rear ended and we both have liability only , allstate is stating they will not cover because the lady is stating I backed into her no witnesses no camera on the street . I wondering if this is true?

Answer given on February 15, 2019

When you are involved in an accident and the other party denies the accident is their fault, it is very difficult, if not impossible to get the other driver’s insurance company to pay for any damages. Since you have no witnesses or camera evidence, it will be unlikely that you could even win in small claims court.

Since you do not have collision insurance, your insurance company will not pay anything for the damage to your car. However, make sure that your insurance company understands your side of the story, so the other driver does not come to your insurance company to try to get them to pay for her damages to her car.  The only option you have at this point is to try to pay to make repairs to your car and move on to fight another day.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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