Insurance keeps dodging my questions about who the dashcam footage actually helps — anyone else dealt with this?

Not legal advice, but — if this lawsuit has the potential to exceed your policy limits, that changes everything. You'd have personal exposure above whatever your liability cap is. In that situation, you really should consult with a personal injury defense attorney independently, not just rely on whoever your insurer assigns. The attorney your insurance gives you technically represents you, but they're also paid by and answer to the carrier. Just something worth knowing. Not legal advice.

The runaround you're describing is so familiar it's painful. After my accident, my adjuster kept giving me these vague non-answers and I felt completely sidelined in a case that was literally about me. Eventually I just started sending everything in writing — emails instead of calls — so I had a paper trail of what they told me and when. It helped me feel less crazy and also gave me documentation later.

You actually do have some rights here. Your insurance policy is a contract and most include a 'cooperation clause' — but that runs both ways. They have a duty to defend and to keep you reasonably informed. You can request in writing to see any materials gathered in connection with your claim, including how they're interpreting that footage. If they stonewall you, that's worth noting. Also, the attorney assigned to you by the insurer — call them directly, not just the adjuster. Attorneys often communicate more clearly about where things actually stand.

I used to work claims, so let me be straight with you: that phrasing — 'supports the claimed losses' — is deliberately vague. Adjusters are trained not to characterize evidence in a way that could create a bad-faith exposure for the company OR tip their hand to the policyholder before they've decided how to handle it. It doesn't necessarily mean you're screwed. It might just mean the footage shows the other person was genuinely hurt, which affects the damages side, not necessarily the liability side. Those are two very different things. Push for clarification specifically on liability vs. damages — use those exact words.

Quick question — do you actually know what's on the footage or are you just going off what the adjuster said about it? Because 'supports their claim of loss' could literally mean it shows the other car was damaged, which is just... true and obvious. I'd want to know if you've actually watched it or if you're spiraling based on one vague phrase from someone who probably says that same thing to every policyholder.

This sounds incredibly stressful, especially when you did everything right — cooperated, let them handle it — and now you feel completely out of the loop on something that could affect your finances for years. I hope you get some real answers soon. You deserve to actually understand what's happening in your own case.

Your insurer's job is to protect themselves first, then you second. If settling quickly is cheaper for them than fighting it — even if you weren't really at fault — they will settle and you may never know the details. Don't assume their silence is neutral. It might mean they've already decided how this ends and they're just not telling you yet.