Adjuster says I'm 100% at fault for a left turn crash — but the other driver was flying. Can I fight this?

Almost the exact same thing happened to me two years ago — left turn, other driver was speeding, and my adjuster tried to pin everything on me. What changed the outcome was surveillance footage from a nearby business. I had to go knock on doors myself because my adjuster wasn't going to lift a finger. Seriously, go get that gas station footage today before it gets overwritten. That's not an exaggeration.

"We go by the turn, not the speed" is adjuster-speak for "I've already closed this file in my head and I don't want to do extra work." They're not on your side — their job is to minimize the payout. Don't accept anything verbally and don't sign anything. Every time you talk to them, follow up in writing with a summary of what was said.

Okay so I used to work claims and I'll be honest with you — the left-turn presumption is real, and a lot of adjusters lean on it hard because it's easy to defend internally. BUT speeding absolutely factors into comparative fault in most places. If the other driver was 30+ over the limit, a good reconstruction or even a solid witness statement can shift that percentage significantly. The issue is you have to push back with actual evidence. A blanket dispute letter without something concrete behind it usually goes nowhere. Get that camera footage secured and get witness contact info locked down.

Not legal advice, but what you're describing — a speeding driver contributing to a left-turn collision — is exactly the kind of comparative fault situation where an initial 100% determination often gets revised once someone actually investigates. Most states and provinces use some form of shared fault analysis. The adjuster's framing isn't necessarily the final legal word. I'd strongly suggest at least a free consultation with a PI attorney before responding further to your insurer. Not saying you need one, just that the conversation costs you nothing and could reframe how you handle the next steps.

Please make sure you're getting checked out medically even if you feel okay right now. Adrenaline masks a lot in the hours after a crash — I've seen people walk away from a T-bone and then wake up two days later with soft tissue issues or worse. Document everything with your doctor and keep a symptom journal. That stuff matters both for your health and for any claim down the line.

A few practical things: First, you can formally dispute a fault determination — it's usually a written request to your insurer's internal review department, and you attach any supporting evidence. Second, if the police came to the scene, request a copy of the report because it may note the other driver's speed or cite them. Third, witness statements in writing are gold — if your neighbor is willing, get them to write down exactly what they saw and sign it. These aren't magic bullets but they give any reviewer or attorney something to work with.

I don't want to pile on, but a couple of questions: Did the police issue any citations at the scene? And how exactly are witnesses estimating the truck was 30+ over — did someone catch it on video or is it just a "felt really fast" impression? I'm not saying you're wrong, I just think it's worth being realistic about how strong your evidence actually is before you go in swinging. Eyeballing speed is notoriously unreliable and adjusters know that.