Hi, I'm a bit new to auto insurance policies so I could use some advice in how to respond to my insurance co.
I was driving in a lane and had to shift (angled my car a little bit) to avoid a car that the blocked my lane. I had checked my mirrors and didnt see another car at the time. As I shifted back to my lane a car driving very fast side swiped me. The damage is pretty minor and no injuries. I feel like the driver basically plowed into my car since I was going very slow and was clearly in front of her for some time. I suspect she was speeding because she came from the intersection and wanted to make the next light.
No police report was filed. My insurance co has been harassing me for a recorded statement, which I refused. Now they are saying I'm at fault, even though I believe the other driver should be partially liable. I understand CA has comparative fault, so shouldnt there be some shared liability? What can I say to my insurance company to fight this? The damage is not severe but I dont think its fair to pay 100%.
Thanks in advance for your help.