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Ornery_List9248 t1_izb7k84 wrote

Reply to comment by Vegetable_Medium_458 in Plow truck hit me and plowed me off the road in Manchester NH and it’s the plows fault and the police report says so, but some lady in an office sent me a letter and said it’s 51% my fault and they’ll pay nothing, my 2016 Ford Fusion is destroyed and I’m in debt. I What can I do? by Vegetable_Medium_458

There might be a way to appeal that letter saying it was ur fault, you aren’t really clear on where/who that even came from, usually insurance companies will cover if it was 51% not your fault, so I’m assuming that came from the other vehicle’s insurance? Idk why you would sue when you already say 30$ is a lot to you, suing costs money at it will probably go no where.

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Vegetable_Medium_458 OP t1_izb8h4n wrote

The city solicitor responsible for paying out the damages Tammy Denver sent me a letter saying they won’t pay for the damages and it is 51% my fault, she called my phone and asked me questions three days after the accident, I answered honestly, said it was idiotic of me to be near a plow with its service lights on, I said I was in my own lane and there weren’t any service lights on and I was struck by the plow blade in it’s up position and driven off of beech at are there traffic cameras anywhere or anything, she said she didn’t have anymore questions and she hung up, no bullshit, one of the questions was if I had an insurance policy I answered honestly I told her no I actually failed to pay on time and it expired which I felt idiotic for saying because the correct term was lapsed apparently and I really don’t even care about money I just want to know if they’ll pay for the car because the dude was literally not looking and wiped me and admitted to it wether I didn’t pay my bill or not and it just blows

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GreatGrandaddyPurp t1_izbdc5y wrote

You made a huge mistake by answering her questions.

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ThreeTheGhost t1_izbic7g wrote

This, 100%

Sorry to tell you, but the likelihood is very high that you fucked yourself by trying to be a good guy and answer her questions

I made this same mistake myself once

I was struck by another driver making a turn and coming out of their lane and hitting my car in the parking lane on the side of the road - Cops showed up, police report was written up as them being at fault, with a whole fucking drawn up visual of the accident, their car coming out of the lane and striking mine, shit was circled, the whole ordeal

A day or two later, I get a call from an insurance agent - their insurance agent - claiming he wanted to go over the accident and get an idea of what happened, the whole good guy bit

I answered the questions and explained the situation honestly

They proceeded to somehow get an amended police report that stated they were actually not at fault - My insurance company said they had never seen it happen before

She was absolutely not calling you to be your friend and chat - Her job is to, in a very strategic, calculated and predatory manner, determine your level of legal capability, the level of their own exposure, and how likely it is they are going to being held liable and made to pay out

By telling her that where you were parked was, even potentially, stupid on your part you admitted that your own actions put your car at risk, and by telling her that you have no insurance or concrete evidence of them being at fault, you exposed that your means of recourse are pretty limited

Unfortunately, they're probably chalking this one up as pretty low priority - In my relatively meaningless opinion, pursuing a lawyer is probably the right move

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Loosh_03062 t1_izbka4w wrote

If you want to gripe to her boss, Ms Denver appears to work for Kevin O'Neil, Manchester's risk manager (the city's self insured). Otherwise you'll probably want to find a lawyer, with the police report in hand. The downside is that if they think (and the court agrees) that you're 51% at fault, they can come after you for damage to the plow. If you don't have insurance and can't cover the damages, it can trigger a "must carry insurance" requirement and/or suspension of license and registration.

You're not going to find any useable recorded traffic cameras; they're generally illegal in New Hampshire except in specific locations.

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Ornery_List9248 t1_izb8xv5 wrote

Then contact someone about that letter to appeal. There must be a number or contact or something.

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