Do you have to call the auto insurance company?
Do you have to call the auto insurance company?
I was backed out of a parking spot today when a lady backed out of her spot (really fast) and hit my car. We called the police and filed a report…he ruled no-fault since he couldn't prove it was her fault even though it was what he believed. We were able to fix the damage when we got home (it popped right back in). So here's my question. Do I have to call the insurance company or can I just ignore it? The lady had a small scratch on her car, nothing like ours.
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6 Responses
1.31.2010
That type of accident is 50/50 as to fault. When two people are backing from opposing parking places and collide they are equally at fault under the law. Each takes care of their own damages. I know because it happened to me and the other party tried to sue for whiplash and other ridiculous problems. When I explained the accident situation my insurance company told the other person they didn't have a claim. You might want to talk to your agent but not file a claim.
1.31.2010
no but D.M.V.over $500.00 in most states
1.31.2010
you don't have to call. but if she makes a claim against you.. you can make a counter claim against her at that time.
1.31.2010
no need if you both agreed to take care of your own damage.i hope tough you took pictures of her damage maybe with your cell phone? and make sure you keep that police report for a few years.
1.31.2010
If your agent is a good one, he will give you good advice without having to make a claim. By the way, in Texas, you ARE required to make a police report. The other driver can come back and say you left the scene and that would be hit and rum.
1.31.2010
There's no LAW that says you have to contact the insurance company – however, if HER insurance company tries to claim it's your fault and want your insurance to pay for the damages to her car — then your insurance will get dragged into it regardless of what you do.