My stepson had an accident at an intersection with stoplights, other party was ticketed by the police for failing to clear the intersection - she made a left turn in front of him. He filed a claim with his insurance company, only to be told they had dropped collision at renewal because he added his sister who had points (the vehicle is financed, so I'm not sure how they can do this). Finance company was never notified. His insurance co. is Farm Bureau. He placed a claim via the other party's insurance co (USAA) and was told the lady was out of town and would be back in 2 weeks. They couldn't do anything without her statement. Now they told him that he is 1% at fault and in NC, they don't have to pay if any fault lies with him. Apparently only 2 States can do this? This all sounds very convenient for them. Meanwhile, he still owes 11,000 on the vehicle. I've told him to get a copy of his sister's driving abstract and a copy of everything the insurance company sent him related to taking the collision off. What we need to know is, is there anything else we can do? Any recourse, other than arguing with the insurance companies or getting a lawyer? Are they really able to just decide he's 1% at fault and deny his claim?