You’re crossing through an intersection, which is controlled by traffic lights, and another vehicle, coming from your left, fails to stop and strikes your vehicle in the Left Rear Quarter Panel.

The claims adjuster at the ‘other’ carrier will want to discuss a number of things with you.  You can be fairly certain, however, that the adjuster will be FIRST talking to her own driver, her own insured policyholder.  There are a few good reasons for this: