My question involves insurance law for the state of: Ohio
I recently involved in an accident where other driver operating vehicle with their head lights OFF. In an Intersection where i did stopped for a flashing light and did not notice the other car which is going with their head lights OFF and hit them. Other Car Ran away from the scene after 3 min. I called 911 and informed what happend. As me or my wife not injured they considered it as non emergency case. other car came back after 30 min with another truck.
where a guy in his 50 claimed its his wife (48) who's driving the car. He said she is recent immigrant so dont know what to do after the accident so ran away.
When cop arrived after 1 hr 30 min women drivers husband gave him a phone number claiming witness number. he said the witness guy followed her wife when she ran away from the scene. cop called the witnesss and gave me a ticket saying he has to, because they have a witness and looking at the car it looks like i hit them. he suggested me to go to court and contest as he feels suspesious about other party.
I contested in court with no guilty and court dismissed my case because of my following reasons.
1) other party running with headlights OFF
2) they ran away from the scene claiming she is new to the country.
( there might be anyone driving that car under age, with out insurance, or DUI)
3) witness number might be a clear set up as there is no one following other car.
Now My Insurance company saying i am liable for the accident because other car has daylight running lights option and also a witness number claiming my fault.
that car might have that option.. but when cop verfied the car while going back they don't have that option enabled.
how can i protest this against my insurance company ?/