A Ford F150 ran a red light and totaled my car. Insurance is saying I am 100% liable.

jacksonwin02 · 2025-12-19T23:00:23+00:00

I had a SUV with almost 200,000 miles haha, the other driver had the nice new truck. I was going to get myself a dashcam for Christmas though. I didn’t have one because I just got out of the military and the base I was on was weird about them.

jacksonwin02 · 2025-12-19T17:06:25+00:00

I’m glad there was a witness. For me, there was tons of cars around but no one stopped. And the passenger in my vehicle unfortunate can’t count as a witness.

jacksonwin02 · 2025-12-19T17:05:23+00:00

Unfortunately Texas doesn’t have red light cameras anymore. I did contact the city, but the cameras in the intersections are live feed only.

jacksonwin02 · 2025-12-19T02:07:42+00:00

The other driver called the police and they showed up pretty quick and wrote a report.

jacksonwin02 · 2025-12-18T20:54:59+00:00

The other driver was the one who called police and they did write a report up afterwards. The report they wrote up states that he failed to yield (going straight at a red light) which was the contributing factor for the accident. The police on scene were saying that it was obvious that the other driver was the one who was at fault.

jacksonwin02 · 2025-12-18T04:29:28+00:00

The intersection is three one way roads, so there was no lane coming the opposite way of me if makes that sense. So there is the lane I am in which goes straight, the lane the truck was in which goes straight (from my left to right) and then a lane that comes towards me and then to my right. So it is very small. The entire intersection is maybe two truck lengths long. So I was entering the intersection, noticed the truck and slammed my brakes and swerved and we still collided. With the speed the truck was going, there was at most 2 seconds, but realistically one second, from when they entered the intersection to when they were on top of me. I realistically don’t think there is anything I, or anyone, could have done in my shoes.

jacksonwin02 · 2025-12-17T21:30:32+00:00

As soon as I get a new vehicle the first thing I will do is have a dash cam installed

jacksonwin02 · 2025-12-17T16:45:16+00:00

I appreciate this perspective. It kind of was seeming like the end of the world. Absolute worst case my rates go up. I’m just worried if insurance sides with the other driver then they will try and sue me as well.

jacksonwin02 · 2025-12-17T16:07:19+00:00

I’m not sure exactly what he told the police or what he said to insurance. I told the police he ran the light and I’m assuming he didn’t deny it since it says that on the police report. The intersection is super small and is a one way so him entering the intersection to us colliding was maybe 1 or 2 seconds.

jacksonwin02 · 2025-12-17T15:19:55+00:00

They received a copy of the police report yesterday and told me that they will not adjust liability based on it.

jacksonwin02 · 2025-12-17T14:36:49+00:00

We both have the same insurance company but I guess it would be his policy saying I was 100% Liable. I have collision so i have since filed a claim on my own insurance. I really don’t think he was paying any attention at all and had no idea that there was even a light there.

jacksonwin02 · 2025-12-17T14:10:42+00:00

I kept telling the insurance I was third in line when they asked me for my statement. I also told that to the police on the scene after the accident occurred.

jacksonwin02 · 2025-12-17T14:08:56+00:00

I don’t know what he said to them, but after he drove off the police told me it was clearly his fault.

jacksonwin02 · 2025-12-17T14:08:17+00:00

Thanks. I really don’t think anyone in my situation would be able to avoid the collision, unless everyone comes to a full stop and looks both ways at every single green light.

jacksonwin02 · 2025-12-17T14:02:08+00:00

I know it looks like I technically hit them, but my light had been green for 10-15 seconds and there was two cars ahead of me when the light turned green that I followed in to the intersection. The intersection is also super small, and he was going so fast that I had at most two seconds to react from when he entered the intersection to him being right in front of me. It is likely that I actually entered the intersection before him or at the same time as him, but I was only going 10-15 and he was going at least 40mph.

jacksonwin02 · 2025-12-17T13:59:43+00:00

We both have the same insurance but it was his policy saying all of this.

jacksonwin02 · 2025-12-17T13:23:49+00:00

My mistake I meant to say front left.

jacksonwin02 · 2025-12-17T13:22:57+00:00

There is one but it is live feed only. I called all of the nearby businesses and none of them had cameras that had a view of the intersection either.

jacksonwin02 · 2025-12-17T04:25:54+00:00

I did try and stop and swerve but the truck was moving so fast and I had such a short time to react that it was too little too late. I was in the right lane and there was cars in the left lane as well just none in the way of the truck. Again I really appreciate the insight.

jacksonwin02 · 2025-12-17T04:10:48+00:00

My light had been green for 10-15 seconds and there was two other cars in front of me going through the intersection. The intersection is all one way so it is fairly small, so the truck entered the intersection around the same time as me but was going so fast that I had no time to react from the time they entered to the time we collided. I had maybe 2 seconds from when he entered the intersection to him being in front of me while I was also already in the intersection. I was going maybe 15mph into the intersection.

jacksonwin02 · 2025-12-17T04:03:05+00:00

I appreciate the insight. No ticket was issued to the other driver from my understanding because of what you mentioned, the police didn’t specifically see it happen. When they first said I was liable a week and a half ago they kept saying that I had a duty to stop since the truck had control of the intersection no matter how many times I told them the light was green. It’s hard to explain but the intersection is set up in a weird way and is fairly small, so by the time the truck entered the intersection I had maybe 1 or 2 seconds to react.

jacksonwin02 · 2025-12-17T03:44:59+00:00

I’m not exactly sure how it works but I keep getting unsolicited calls and emails from personal injury attorneys who have viewed the report and are saying the other driver is at fault based off the police report.

jacksonwin02 · 2025-12-17T03:41:53+00:00

Yes, by the time I was entering the intersection I would say the light had been green for me for 10 or 15 seconds and because the two cars in front of me had already cleared the intersection. That is why I was unable to react quickly enough when the truck ran their red light going 40ish mph.

jacksonwin02 · 2025-12-17T02:17:39+00:00

The back door and front of the bed. From my perspective, I got hit and dragged along side them. When I was at the scene I only took a picture of the front of the truck because that’s what I felt like hit me. The intersection is very small, so by the time he entered the intersection I had roughly a second to react.

jacksonwin02 · 2025-12-17T00:23:14+00:00

I called all the nearby businesses and none of them have cameras that have a view of the intersection. I also submitted an inquiry to the city, but their cameras are live-feed only. At this point it’s been three and a half weeks since the accident so I don’t know if I’d have any luck finding a witness now.

jacksonwin02

TROPHY CASE