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Adjuster wont accept liability
I was in an accident. The other party is covered by Country Insurance & Financial. I have the police report and pictures showing the other party was at fault.
My vehicle was totaled, I was injured. The adjuster is trying to get me to accept comparative negligence without identifying how he thinks I was negligent.
He even sent me an offer of 50% of my assessed damages to my car. I only had liability so my insurance company (Liberty Mutual) told me I was on my own trying to settle this.
It has been a month and Country Ins. still will not accept liability, in the meantime, I need surgery on an injury from the accident and the surgeon will not do 3rd party billing so I cant get the surgery I need and I am still driving around a smashed car.
You are in a hard spot. We are sorry to learn that. The adjuster must explain to you why you are negligent. They can't tell you that you are at fault and then leave. You have to be careful, Nevada follows the Modified Comparative Fault -- 51 Percent Bar Rule. This means that if you are 51% at fault or more, the insurance company will not pay you anything at all (for your car or you injury).
You need to contact an attorney to get this matter handle. The insurance company is probably trying to pass a fast one on you. Call a lawyer and see what they say about your fault or negligence and have them contact the insurance company. Usually we try to help people with their claims (see the 400 pages on these website), but in your case, it is better that you talk to a lawyer.
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