Why did you sue?

Had an accident, not my fault, but her insurance company misrepresented the accident and denied my claim. I sued them - and they immediately backed down, without it going to court.

Long story:

I was in a four lane road, two lanes each way. I was in the right-most lane, slowing down ready to turn into a shopping mall.

An idiotic woman in the left-hand lane decided she also wanted to go to the mall - and turned right, from the left hand lane. She was about two car lengths in front of me; this means I fit her squarely on the side and punched in her front and rear door; I saw her face of shock as the car impacted. Luckily I wasn't going very fast - maybe 50 or 60 as I had been slowing down. Our cars formed a perfect letter "T" at time of impact; she was the crossbar at top, I was the downstroke.

Anyway we both agreed she was at fault, police came and took details, cars were taken away.

Later I put in a claim on her insurance - and was denied. The reason: "Damage to the rear of her vehicle - so you are automatically at fault"

I was outraged. There had been NO damage to the rear of her vehicle; there had been damage to a rear door, and they had rewritten that in their letter to me to make it seem I was at fault.

Rather than stuff around with letters I just got a solicitor and we sent them a letter of intention to sue. We were also going to sue them for damages for fraudulently stating their was damage to the rear of her car, when in fact the damage was entirely on the side of her car.

...a few weeks later they caved in and I got my money.

It's possible the girl lied and told her insurance company I was at fault; but then again knowing insurance companies it's possible she didn't and they were just trying it on.

The worst thing? We were both with the same insurance company. That's right, my own insurer tried to rip me off...

/r/AskReddit Thread