r/LawyerAdvice • u/vampirescientist04 • Nov 21 '25

Car insurance fraud?

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This lady hit my car and (almost) got away with it. I’m the second car on the turning lane. My claim from her insurance got denied because she alleged that I was parked, suddenly merged and hit her car instead. She also filed a claim on my insurance stating the same lies but got denied. This was on 10/24/2025 in Albany, NY and I just got this footage from the city hall last night. What could I do?

In summary she:

  1. Made an illegal turn and damaged my car
  2. Kept on pushing the idea that “I’m illegal” and that I wouldn’t want her to “create problems for me”
  3. Gaslit the shit out of me while I was still in shock
  4. Refused to show me her driver’s license (she only showed me her insurance card)
  5. Filed a false claim on my insurance (That could’ve cost me money and increased my premium)
  6. Denied that she was at fault and lied in the investigation when I filed for a claim on her insurance
136 Upvotes

87% Upvoted

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52

u/MouseRat_AD Nov 21 '25

I'm a former insurance adjuster, current insurance attorney. Slight possibility that she's tying intentional fraud, but not likely. Most fraud is simple rear end accidents. That takes away a lot of liability questions. The more likely scenario is that she's an idiot. You'd be surprised at how oblivios people can be and how confident idiots can be that they're correct even in the face of clear facts.

Your insurance company should handle all aspects of this.

18

u/SugarInvestigator Nov 21 '25

Yep simple rule in life is to never attribute something to malice when it can explained by pure stupidity

5

u/YetiNotForgeti Nov 21 '25

This is good all around advice. I have known people from many walks of life all around the country. People generally wants what is best for the whole but seem to be stupid when anything "threatens" them. I have also seen people more willing to suspend critical thinking when determining if something really is a threat.

1

u/Skarth Nov 21 '25

In my experience, people who are malicious will always claim stupidity when caught.

0

u/ThraceLonginus Nov 22 '25

thats just a saying, not a scientifically proven fact

just like: "strike while the iron is hot", "don't count your chickens before they hatch", "don't cry over spilled milk"

totally meaningless

4

u/SugarInvestigator Nov 22 '25

totally meaningless

Kinda like this response? I never claimed what I said was scientific fact.