[ponjohn]

Last Tuesday my wife got hit.

Dusk out, raining etc. Other kid did not have lights on, never attempted to stop, I suspect he was on the phone.

She gets hit from the right crossing an intersection, her car was over the centerline by a lot.

She does not get a ticket and I do not know if the other party did. Police report will be available tomorrow.

Our insurance company interviewed my wife on the phone and decided based on her statement we are liable.

They interviewed the other party two days after deciding we are liable.

I got a letter in the mail today from the other persons attorney.

How can an insurance company make a decision based on nothing?

They did not ask for photos of the car. Insurance company said decision on liability is not based on police report ( the only unbiased party).

This sounds really stupid me.

Anyone with experience in this sort of matter?

8100 in damage to car and it has 21k miles on it.

Yes, I am contacting an attorney tomorrow.