Other driver is straight up lying about what happened — how does fault even get figured out?
So I was a passenger in a pretty bad crash a few weeks ago and I'm still trying to wrap my head around how this whole fault determination thing works when the other driver is completely making stuff up.
Here's what happened: we were heading through a green light on a main road — totally had the right of way. A driver came out of a side street with a yield sign and just... pulled right out in front of us. Our driver hit the brakes hard but there was no time. The impact was on the front of our car and the side-front corner of theirs, which to me seems pretty obvious about who pulled into who.
Now the other driver is telling their insurance that WE were speeding and drifted into their lane, and that they were basically just sitting there minding their business. It's insane. There was debris scattered across the main road from our car. We have photos of the final resting positions of both vehicles, skid marks, everything.
No traffic cameras caught it unfortunately. Police responded but said it was a civil matter and pointed us to file a report ourselves.
As a passenger I got pretty banged up — stiff neck and back, been going to a chiropractor. The driver has a wrist issue they're still dealing with.
Both sides now have attorneys involved. My question is — when stories completely contradict each other like this, how do insurance companies actually figure out who's at fault? Do the physical evidence and damage patterns carry a lot of weight? Is it common for them to try to split fault even when one side is clearly lying?
I feel like the evidence is on our side but I'm nervous about how this plays out.