Phantome Vehicle.? Simple Scenario: I was driving and stopped for a school bus. The driver behind me hit my car. I felt one impact. Damage was front his front bumper and my rear. No damage was found on his rear at scene of accident. Situation was written by police officer for following to close for driver of vehicle that hit mine. Driver who hit me claims that a phantom vehicle behind him came in contact with his vehicle which caused it to hit mine. Police officer did not pay much attention to this but I assume he probably took note of that.
We both have the same insurance company. My agent is telling me that my deductable is not waived that I may have to pay it due to the possibility of the phantom vehicle being involved.
My question: Why would I pay for the claim out of my coverage when a ticket was issued by a police officer in my favor and there is no actual evidence to conclude this phantom vehicle? I am the victim and I am paying 100%.
We both have the same insurance company. My agent is telling me that my deductable is not waived that I may have to pay it due to the possibility of the phantom vehicle being involved.
My question: Why would I pay for the claim out of my coverage when a ticket was issued by a police officer in my favor and there is no actual evidence to conclude this phantom vehicle? I am the victim and I am paying 100%.