At Fault Driver Lied to Insurance I was side swiped on the interstate. The driver dented my rear door and smashed their front light. When the state trooper arrived, they took statements from me and the other driver. I asked if our statements matched, and the trooper said they did. He went on to say that based on the matching information from both parties, the other driver made an improper merge and was solely liable. The next day, I called the other driver's insurance company and was told they'd inform me when they took their driver's statement. After not hearing from them for a while, I called to find out that the other driver had accused me (to their insurance) of improperly merging into them and being liable. The insurance company is now telling me I'm liable, and that the damages could have easily been caused by me (though for that to be true, my car would have had to slide perpendicular to my axis of motion, which is impossible given the conditions, and ludicrous). The state trooper has a record, remembers the incident, and maintains the other driver is liable. The insurance company has told me twice in the past two days that they have attempted to call the trooper on his cellphone (verified correct number) without any response. The trooper says he hasn't answered or missed any calls from the insurance company or unrecognized numbers. So the other driver lied to their insurance after admitting liability to a state trooper. Their insurance is now lying to me about attempting to access the police report. What do I do to get them to pay for my car to be fixed? I can't afford to do it out of pocket. Is any of this fraud? What are the repercussions for the driver for falsely accusing me of liability after admitting fault to the police? What are the repercussions for the insurance company for fabricating evidence to cover their inaction in obtaining the police report? Also, my insurance won't touch it because I only have liability coverage, not collision or comprehensive.
Your attorney can file a lawsuit against the other driver, and legal liability can be determined in court. Your want to let an attorney do this, because the one thing that keeps you from being (expensively) counter-sued for defamation is that you didn't name the driver and insurance company. It is extremely unlikely that the other driver accused you of liability ("liable" is a legal conclusion, not a fact). Instead, there is a dispute over the facts. During the trial, both sides get to present their evidence and the judge will determine who is actually liable. If you are found liable, your insurance company may have to pay up. If the other guy is found liable, his company will have to pay up. Or, fault can be split 50-50 (in which case you will be out of luck because you don't have collision insurance to cover your losses). If the insurance company believes that the facts support their client and that you will lose in court, they are not going to volunteer to pay your losses. If they believe that the facts support you, or are closer to 50-50 w.r.t. fault, they are unlikely to volunteer to give you money. If the driver makes a material plainly false statement to his insurance company, they might have recourse against him. Lying under oath is perjury which is a criminal offense. But mis-remembering facts or having incorrect beliefs is not a crime and won't lead to any legal problems for the driver. The belief that you are not at fault is not a lie. If the facts are as cut and dried as you make them out to be, the matter will be easily sorted out in court.
The Straßenverkehrsordnung(Translation) in Germany says this: § 34 Accidents (1) Any person involved in a traffic accident must: stop immediately; take the necessary steps to ensure traffic safety and, if there is only minor damage, move their vehicle to the edge of the carriageway; ascertain the consequences of the accident; assist injured persons (section 323c of the Penal Code); to other persons present at the scene of the accident who were involved and have suffered damage: a) state that they (i.e. the person referred to in the first clause) were involved in the accident; and b) if requested to do so, provide their own name and address, present their own driving licence and vehicle registration document and, to the best of their knowledge, provide details of their third-party insurance; a) remain at the scene of the accident until, by virtue of their own presence, it has been possible to identify their personal details, their vehicle and the nature of their involvement to the benefit of the other persons who were involved in and have suffered damage in the accident; or b) wait for a reasonable length of time and leave their own name and address at the scene of the accident if nobody was prepared to perform the identification; immediately facilitate subsequent identification if they have left the scene of the accident legitimately, after giving a plausible excuse or upon expiration of the waiting time (paragraph 6(b)). For this purpose, they must inform at least the persons referred to above (paragraph 6(a)) or a nearby police station that they were involved in the accident and must provide their own address, their present whereabouts as well as the registration number and location of the vehicle that was involved in the accident, which must be kept available for immediate investigation for a reasonable length of time. For minor accidents (no injuries, no suspected criminal offence, no major disagreements between involved parties, ...) you do not have to call and wait for police (you have a right to call them but they might try to discourage you from requesting that they come to the scene). For normal traffic accidents insurance doesn't come and collect evidence at the scene, instead an appraiser will document damage to your car and look at statements and witness reports and other documentation. You can just exchange all necessary information with the other party/ies and then leave with your car (possibly using a towing service). However, OP might refer to the specific case of an accident with a rented car. In that case, the contract with the rental service often mandates that you call police and request an official police documentation and report in case of an accident.
If he is still pressuring you for the money even after filing insurance, talk to your city or county prosecutor's office. If you call the police, they may say they're too busy to deal with it and that it's a "he said-she said" situation anyway. But if you go to the local prosecutor, they should be more interested, as this could be a felony, considering the amount of money demanded, and they can instruct the police to help investigate.
Colorado statute 42-6-206 imposes disclosure requirements on the sale of vehicles with salvage titles. That you didn't know it was a salvage does not seem to be of concern to this particular statute. This means that you are potentially entitled to redress against the people who sold you the car as well, provided the sale occurred in Colorado and they failed to disclose it to you (i.e., you didn't just forget about it in the intervening years). Given the presence of a law specifically covering your circumstances, it may be worth consulting with a local attorney to see what your obligations are. There may be mitigating circumstances, but they are not currently obvious to me if they're there. (conventional wisdom in the industry is that all private sales are "as-is" with no implied warranty of merchantibility and no recourse for a buyer who doesn't do due diligence -- I was shocked to find a statute specifically protecting buyers of salvage vehicles)
united-states I am skiing and cause unintentional injury to another slope patron/client. How would I protect myself from being sued? Use reasonable care to avoid harming others, and follow all applicable rules of the ski area. Keep your equipment in good repair. Don't ski when you are drunk or high or in circumstances you can't handle. Try not to collide with people. If you do collide with someone do what you can to mitigate their injuries, identify ways to document facts favorable to you, and promptly contact your insurance company. Is there insurance if sued that could protect my assets if found negligent and cover legal costs of lawyer and trial, regardless if found negligent? For this, you need liability insurance. In the United States, liability insurance is typically included in homeowner's or renter's insurance. These kinds of liability insurance typically cover the cost of a legal defense of a covered claim and any damages awarded or paid in a settlement of those claims (up to the policy limits). These kinds of liability insurance would typically cover liability arising from a skiing accident and most other claims for negligence, but would typically not cover claims related to intentional acts or a criminal prosecution. A homeowner's or renter's insurance policy would also not typically cover vehicle accidents (e.g. your liability while operating a snowmobile), claims related to a business or an occupation, or claims related to contractual liability.
In principle, police are liable for the safety of anyone they detain. If an officer creates a hazardous condition, as was described in this scenario, he or his agency (which effectively means the taxpayers who fund his agency) can be held liable for damages resulting from that action. (Whether it is the officer or instead the taxpayers who get stuck with the bill is a separate question of "qualified immunity.") This idea has been formalized under two theories: The "special relationship doctrine" would apply in this case because the officer was detaining the driver. Otherwise, the liability could be argued under the more broad "state-created danger doctrine."
It is true that in the US, valid Federal law supersedes state law or regulation when there is a conflict. Precisely because of this, state laws and regulations are normally carefully written to avoid such conflicts. It is very unusual for a federal law issue to apply in traffic court. The question does not say what Federal law issue you think will apply to your case. Most issues where Federal law might plausibly affect a state court process, such as a fourth amendment violation on a search and seizure issue, would not apply in traffic court, although they might apply in a criminal court proceeding. Federal law does not generally deal with traffic issues, nor does it preempt state traffic laws, because there is normally no conflict. There is a group of people, who often call themselves &quot;sovereign citizens&quot; who have a habit of making wildly invalid legal claims, and trying to claim that much of the law does not apply to them. Such people often assert elaborate theories about why certain laws do not apply, not infrequently involving the Federal Supremacy Clause. Such claims are invalid, and will not be received well by a court. A claim that one travels by &quot;conveyance&quot; rather than by &quot;car&quot; and thus state laws do not apply is such an invalid claim. The argument made in this answer is such an invalid claim. Chapter 18 of the US code does regulate commercial vehicles to some extent. Therefore in that chapter &quot;motor vehicle&quot; does mean &quot;commercial vehicle&quot; because those federal regulations do not apply to private vehicles. This does not mean that state regulations that apply to private vehicles are preempted or otherwise invalid. If you think a Federal Issue will apply during a traffic court session, it would be wise to consult a lawyer in advance. Many lawyers offer free or low-cost initial consultations. If you think a relevant legal issue is not being addressed, politely, briefly, and clearly explain the issue that you think applies. Do not yell at the judge or other court personnel. Do not try to &quot;make up your own rules&quot;. You will be given a chance to indicate your side of the issue. Response to recent edit, and related comments Without a record of the actual court hearing you describe, there is no way to determine if the judge was acting correctly or not. Even with the record there might well be no way to determine what the judge had in mind, or why s/he acted as s/he did. I maintain that any argument that state traffic codes are in fact preempted by federal law, or apply only to commercial vehicles, or that an ordinary personal car is not a &quot;motor vehicle&quot; because of a definition in Blacks or any other dictionary, is legally unsound and frivolous, and could well subject a person who makes it in court to penalties for contempt. A particular judge might not want to bother with the matter, of course. I think i have answered the question as asked, in a way likely to be most helpful to people in general. Others may have other views.
I live in MD near DC, and have been ticketed by the cameras in both DC and MD. At least for speeding and red-light violations (and I think for all camera detected violations) these are just fines, not true moving violations in that no license points are assessed, and there is no impact on insurance, provided the ticket is paid, unlike what would have happened had an officer written the ticket in person. One can contest the ticket, but it is not likely to be worth the time and trouble. This policy of not assessing points is precisely because there is no assured way of determining who the driver is with current technology, although cameras that can see the driver through the windshield and match him or her against a database by facial recognition may be coming. Currently a human reviews the images in an effort to rule out false positives and certify that an actual violation is shown. The name and title of this person is shown on the notice I get, at least from MD. What one can do "proactively": do not speed or go through red lights pay all camera tickets promptly (or file the paperwork to contest them). If unpaid beyond the deadline they turn into more serious violations that do carry points, just like failing to attend a court date.