I was behind a driver in an exit lane at a mall. The driver backed into me, damaging both vehicles. The driver admitted full responsibility. A police report was filed also assigning full responsibility to the other driver. I agreed.
The driver is insured by Ameriprise. On the police report, his insurance card did not list the company or a telephone number. I had to call the other driver to obtain the name and number of this company after I received the police report.
Once I called the company, it was several days before my call was returned.
The company is unwilling to pay the entire claim, saying that I am 20 percent responsible for not getting out of the way or honking. I had no time to react to this unexpected incident.
The company is deceitful in their interviews, not asking me if I had time to avoid the accident. They tell me that I was negligent although all witnesses and the policeman determined the other driver was solely responsible.
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