Can a auto insurance company refuse to pay because conflicting stories?

Answer 1

heres my story. i was rear ended by a Lexus on my passenger side bumper which caused my car to veer to the left in which i was then t-boned by a Kia causing my car to crash into a water filled ditch. Since the driver of the lexus says the kia caused the accident and the kia vice versa, the state trooper did not issue any citations due to conflicting stories. with either of their insurance companies wanting to pay damages to the other two vehicles involved. the only insurance company that would repair my car was my own.... for a hefty insurance deductable... the end (moral of the story insurance companies simply do not have to payout even if a police report states that they were the responsible party)