Two lanes from different directions merge together before entering the freeway. Neither lane has Yield or Stop or Merge signs so whoever merges onto the single lane first has right of way. I was there first going about 45 MPH when this other driver I could see in my rear view mirror comming up to me real fast. He stears around me driving up on the imbankment and then back onto the lane but clipping my front fender as he passes. But instead of pulling over he takes off faster than the speed limit with me honking my horn & flashing my head lights to get him to stop.
He was diffenately trying to get away but couldn't due to the volume of traffic. Finally I got him to stop and he was really pissed, it seemed like he was going to get violent but calmly I asked for his drivers license and insurance information as I was giving him mine. He kept screaming that he has just purchased his SUV and that he had the right of way. There was very little damage to either vehical. He gave me his drivers license but said that I would have to call his finance company to get his insurance info. When I did I was told that he was not insured at all. I then contacted my insurance company to tell them exactly what had happened. I then got my vehical repaired after paying the deductable figuring I would be reimbursed.
Three months goes by then I get a letter from my insurance company saying since the other driver was not insured I could not get my deductable back. Oh well, I then thought that would be the end of it but another month later I was due to renew my policy and I see my rate has more than doubled! Come to find out that my insurance company had determined that I was at fault for the accident and that there decision was final. They refused to re-investigate, refused to reconsider, refused to allow me to defend myself. Obviously I wasn't getting the protection I was paying for. I then cancelled my policy and went to another company who wanted to charge me almost as much due to this accident on my driving record.
I made a complaint to the Calif.
Dept. of Insurance but they didn't do a d**n thing. What can I do about this, the accident was not my fault. The other driver was a "Hit & Runner" and he was uninsured. How did I get blamed for the accident? The other driver hit me, obviously he was at fault. I think I was charged for the accident because I was insured and the other guy wasn't. This can't be legal. What can I do about this?