The Insurance Company is Denying What is on a Police Report
FAQ,Personal Injury - April 2, 2026 by Horwitz, Horwitz & Associates
Question:
My son and daughter were in a car accident. They were driving straight down a road when a truck taking a left turned out in front of them and my son swerved to avoid hitting the truck head on.
The other driver was given a ticket for failure to yield to oncoming traffic and the police officer indicated by checking a box that the other driver was inattentive, and now the other driverās insurance company is denying our claim.
When a failure to yield right of way ticket is given, isnāt this a strong indication that the person who failed to yield caused the accident?
I canāt believe that the other guyās insurance adjuster agreed with me that if her insured hadnāt turned out in front of my son there wouldnāt of been an accident, so how can she deny our claim?
I am thinking about suing the man who hit my son.
āLinda, Houston
The other driver was given a ticket for failure to yield to oncoming traffic and the police officer indicated by checking a box that the other driver was inattentive, and now the other driverās insurance company is denying our claim.
When a failure to yield right of way ticket is given, isnāt this a strong indication that the person who failed to yield caused the accident?
I canāt believe that the other guyās insurance adjuster agreed with me that if her insured hadnāt turned out in front of my son there wouldnāt of been an accident, so how can she deny our claim?
I am thinking about suing the man who hit my son.
āLinda, Houston
Answer:
Certainly in Illinois, a police report is not admissible into evidence. It is hearsay. Hence, insurance companies donāt bind themselves by it. Insurance companies do bet, however, that you wonāt file a lawsuit and go through the multi-year system in order to obtain justice.
This way they get off cheap in settling cases. If your injury is significant or permanent, file a lawsuit.
This way they get off cheap in settling cases. If your injury is significant or permanent, file a lawsuit.
