So, on April 10,26 at 11:48am I was driving down Colorado Blvd in Idaho Springs, CO in 2010 Camaro and I am the one with the dash camera that you are viewing. The other person was driving 2024 Subaru Outback and is State Farm policyholder. The police was called and got statements and view my dash camera. I had to have my Camaro towed and then I being to leave with the towing company. From there the police officer walked over to the person and issued a citation. I have paid for a copy of the police report and I also sent to the police officer a copy of my dash camera. I then submitted a claim with State Farm. They got my statement and it taken me about 4 days just to down size of the dash camera video. Withen some many days pasted. I called up State Farm to make sure that my dash camera video was viewed. I was told that they had to upload it. From there days pasted and I got a call from State Farm stating that my claim was denied.
I am confused the police find the State Farm policyholder at fault, witnesses stated that 2024 Subaru was at fault and my car insurance stated that the 2024 Subaru drive was at fault.
How can I appeal this decision?
I am a safe driver of the road. I just want my 2010 Camaro parts that got damaged to be replaced.
Letter from State Farm
This confirms our telephone conversation of 04/21/2026 concerning this accident.
Our obligation as an insurer is to pay for damages relating to this loss for which our insured is legally liable. Our investigation indicates our insured is not legally liable; therefore, we must respectfully deny your claim.
In Colorado, the law is clear that our policyholder is liable for your loss only if negligence or lack of care in causing the accident is greater than your negligence or lack of care. The facts as we have them; indicate this is not the case.
If you have questions or need assistance, call us at 844) 292-8615 Ext. 21146.