I was test driving a freind's car after mechanically working on the car as a private individual. I was involved in an accident and now my friends auto insurance co wants my auto insurance information to share in the damages. Am I legally required to provide the information to them?
Personal Injury Lawyer
In Florida you are required by law to exchange insurance information incident to an accident. Typically, this occurs with the other driver or law enforcement at the scene.
Additionally, you are contractually obligated to report the accident and "cooperate" with your own insurance company.
As for your friends insurance company, you don't personally have any obligations, but your friend does.
Insurance Law Lawyer
Under Florida Statute 627.4137, you are required to provide the information within 30 days of a written request. I have attached a link to the statute for your review. Additionally, your insurance policy may contain provisions requiring you to report the claim within a certain number of days. Failure to report the claim in a timely manner could result in a denial of coverage, which could leave you personally responsible for any damages resulting from the accident.
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Car / Auto Accident Lawyer
As a contract matter, you need to tell your own company or you will not be covered for the crash. If you tell your company they will tell the orther company. So yes you must tell them if you want coverage.
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