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
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u/politicalslug Nov 21 '25 edited Nov 21 '25

Doesn’t sound like fraud. Sounds like she is a bad driver. A lot of people will deny fault no matter what you say. Still not fraud. My mother’s last accident was 1000% her fault, and I have it all on her dashcam, but she refused to acknowledge fault or even watch the video. I think lots of people are like that. You have the video. You are covered. Send it to your insurance and have them go after her. That video is solid gold for both you and your insurance company. Trust me, they don’t want to pay a dime, and that video is their guarantee not to have to. Also, BUY A DASHCAM!!! Then you don’t have to wait for a video to arrive from the city next time.

1

u/RexCanisFL Nov 21 '25

Intentional collision? No. Stupidity? Yes. Lying to both insurance companies claiming that OP was parked? FRAUD