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Car accident w/o 'collision'


sond1sh
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i was in a bit of an accident (im okayish). it was during a storm, multi-car crash, no one was held accountable it was all sort of thrown out. i was driving ( i dont have 'collision' on my car so the front end damage to my car would not be covered under my insurance. the second part of the crash however smashed the sides of my car and they said originally that if the sides' cost was more than the value of the car they would reimburse me. now the insurance company is saying the two incidents are separate (the first front end crash and the second part where is was hit on the side) and that if the cost of the front end crash is more costly than the value of the car it will cause a conflict with the second and i would therefore not receive anything.

 

is there anything i can do? theyre trying to catch me on any loophole they can. they said at one point it was all one incident and that because i 'caused' the first part the second part was also my fault. now that my i've battled that they changed it and want to say that if the first part that was my fault was greater than the car cost im pretty much screwed. although if it didnt happen the cost of the cost would be >car worth and they would give me money, because it wouldnt be my fault.

 

hopefully that is understandable. thanks

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