Got subpoenaed footage proving I wasn't at fault — how do I actually USE it now?

I went through almost the exact same thing — wrong fault determination on the police report and had to fight it after the fact. What worked for me was calling my insurer and specifically asking to reopen the claim for 'fault re-evaluation' and telling them I had new video evidence. Don't just email it cold — call first, get a name, then send everything in writing so there's a paper trail. They dragged their feet until I made clear I was documenting every conversation.

A few things worth knowing here: the police report is not a legal determination of fault — it's just one piece of evidence. Insurance companies do their own fault analysis and they CAN reopen a claim if you bring them material new evidence.

Once you have that footage formally admitted or even just authenticated through the court process, you'll have something concrete to submit. Ask your insurer in writing to 'reconsider the fault determination based on newly obtained video evidence.' Put everything in writing from here on out. If they already paid out on her claim, getting reimbursed (called subrogation) is harder but not impossible — especially if you can show their initial decision was based on incomplete information.

Don't be surprised if your adjuster acts totally unbothered when you bring them the footage. They already closed the claim their way and reopening it is extra work for them. Be persistent, be annoying, escalate to a supervisor if you have to. They are NOT on your side just because you pay premiums.

Former adjuster here. Honestly, video evidence is probably the single most effective thing you can bring to get a fault decision reversed — we hated video because it removed all ambiguity.

Here's what I'd suggest: wait until after your court date so you have the outcome on record too, then contact your insurer with both the footage AND documentation of the court result. Frame it as 'I have new evidence that was unavailable at the time of the original claim.' Ask specifically whether they will pursue subrogation against the other party's insurer. If the fault flips, that becomes their problem, not yours.

Not legal advice, but this is genuinely a situation where a quick consult with a PI attorney could be worth your time — many do free consultations. If the footage clearly exonerates you, there may be a path to recovering not just your repair costs but potentially other damages depending on your state. The court outcome combined with video is a strong position to be in. Don't just hand the footage to your insurer and hope for the best without understanding your options first.

Just want to ask — are you doing okay physically? Head-on collisions can do a lot of soft tissue damage that doesn't always show up right away. If you haven't seen a doctor since the crash, please do, even now. Some injuries take weeks to really manifest and you want any treatment documented while there's still a clear connection to the accident.

Step one: win your court date Friday. Step two: get the written court outcome. Step three: call your insurer Monday morning, ask for a supervisor, and tell them you have video evidence and a court ruling that contradict the police report. Don't overthink the order of operations — the court win makes everything easier.