Hey guys,
Ill try to keep this as short as possible. I was rear ended in February and the other driver admitted fault. I operate my own business and tow my trailer from job to job but due to the snow storm that day I decided to leave it parked in the driveway. I was rear ended by a Subaru in my Tacoma. The hitch took the 80% of the hit and poked a huge hole through the front end of his car. He then bounced off the left side of my bumper damaging the bumper, wiring, licence plate lights, etc.
I have been going to physio and I do have legitimate back and neck pain caused from this incident. He hit me pretty hard but there doesn't appear to be a lot of damage since my hitch took the majority of the impact.
The insurance company will replace the hitch, ball mount, hitch set up as well as replace the bumper and damage caused but the other driver. They have admitted the hitch is compromised and will need to be replaced. I have stated from day one that I want the frame checked as thats where the force of the impact happened (hitch mounted directly to frame).
My insurance company is refusing to have this done. They admit there could be damage but the responsibility is on me to prove that the frame is damaged. Chances are the frame should be ok, I am not disputing that. I do want peace of mind and since the other driver hit me and I did nothing wrong in this circumstance I don't feel that I should pay the bill to have this completed. In this situation I may have no choice than to pay for it. I keep my vehicles until they die (hence the Toyota) and if there is frame damage I want to know about it now.
In this situation I do not feel my insurance company is properly representing me here and they flat out have refused to give me any additional assistance and keep saying the responsibility is mine. Does not seem fair as I was rear ended sitting at a red light.
Has anyone ever run into anything like this before and if so how did you handle things? Anything I can do besides just pay to have it done even though this should be included in the scope of work in my opinion?
Any assistance would be greatly appreciated.
Thanks in advance.