A word vs. word insurance claim refers to a situation where there are conflicting accounts of an incident, typically a car accident, without concrete evidence to support either side. In such cases, determining fault becomes challenging for insurance companies.
Key challenges in word vs. word claims:
How insurance companies handle word vs. word claims:
It’s important to gather as much evidence as possible, such as photos of the accident scene, witness statements, and medical records, to strengthen your claim.
At PSIC, we understand that accidents can happen, and sometimes determining fault can be challenging. In cases where there’s a “word vs. word” situation it can be difficult to determine liability.
Our Motorcycle Insurance policies are designed to protect you from financial liability in the event of an accident. We’ll cover any sum that you’re legally obligated to pay for damages caused by a covered incident. However, in a “word vs. word” scenario where the fault is unclear, each party may be responsible for their own damages.
To safeguard yourself in such situations, we recommend considering additional coverage options, such as uninsured/underinsured motorist, and comprehensive and collision coverage. These endorsements can help protect you financially, even if the other party is at fault and doesn’t have adequate insurance or if the fault is unclear.
If you have any questions about “word vs. word” claims or your insurance coverage, please don’t hesitate to contact your agent. They can provide personalized guidance and help you make informed decisions to protect yourself on the road.
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