Join Date: Jul 2004
Location: Orange County, West Los Angeles
Thanked 2 Times in 1 Post
Feedback Score: 0 reviews
Need help dealing with Ins. and DMV.
Okay, I got in an accident 15 months ago.
I was not at fault.
It was never in question I was at fault.
I was immediately paid for damage for my bike.
My lawyer had at them for over a year, and I got a settlement out of them.
I have 3 written statements from non-interested 3rd parties.
No police officer arrived on scene at the time of the accident. I was rushed to the ER, and the officer did not interview me until some 5 hours later when I was in the recovery room.
My bike was towed and impounded at my request by the PD, and I picked it up the next morning without issue. The fees for impound were included in my property settlement.
I have a copy of my police report. No indication of fault. On the front page, I am listed, by default, as "Party 1" but the written notes by the officer only indicate the damage sustained, the location of the accident, and the parties involved. There is nothing on record showing what actually "occured."
Everything looks pretty good? Right?
Well, about 6 months ago I was reinsuring my cars and the insurance agent said that I had an "at fault injury accident" on my record and that my rates were to increase by some absurd 4 digit number.
I immediately requested a copy of my DMV record from the DMV, got it in person, and indeed, listed under the date of my accident is a bunch of gibberish that looks like this:
Type of ACC CODE: 5 SOBRIETY CODE: 5
FATALITY CODE : 0 INJURY CODE: 1
Every adminstrative bureau has been utterly unhelpful, although polite throughout the entire dealing.
Local DMV cannot tell me anything or do anything about the discrepancy.
Local Police Department has a copy of my record on file, but I can't get to it--I have to file an official request with sacramento. I got the copy of the front cover sheet, and the officer said that the rest of my record didn't indicate fault anyway.
Called Sacremento about the discrepancy: All inqueries have to be made in writing.
I wrote a letter, included copies of everything relevant, and sat on my hands for 6 weeks. Got a response, that all requests need to be accompanied by a full police report.
Called them up, noted the response from my letter, said that I had to get a full police report.
Sent in a request for a police report 3 months ago. They even deposited my check for the request. Still no full police report from them.
I got a copy of a full police report from my insurance company via my attorney. The state is useless.
Someone, please, anyone, find someone with SOME AUTHORITY for me to yell at. I need this fixed NOW. It's pissing me off so much.
I also want to know if the opposing insurance company had anything to do with this discrepancy. I already hate dealing with Mercury insurance, because every person who's ever been involved with an accident with me has been insured by them and they freakin suck to deal with.
If this is their doing, by GOD they are going to have some wrath the reckon with. I will freakin' send a written complaint to the state every freakin week if I have to.
Last edited by Aeteocles; 10-14-2005 at 01:53 AM.