To the carrier that insures your vehicle if you don't give them a statement, they will not provide coverage and a defense for your actions (or at least threaten to do so). Give them a statement. As to the other driver's insurance, you do not have to give a statement unless and until a lawsuit is actually filed (which may be never).
As a permissive driver of your friend's car, you are covered under your friend's insurance policy. I suggest you contact your insurance company and ask them if they would like you to give a statement to the adverse party's carrier. They will probably advise against it, as would I. Actually, anybody reading your post will know exactly what happened without the need for a formal statement. You are not obligated to give any formal statement to the adverse party. You are, however, as a third-party beneficiary of your friend's insurance contract with her carrier, have an obligation to cooperate with them, otherwise they could withdraw their coverage of you. Cooperate with your friend's carrier and do not volunteer things to the adverse carrier.
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Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received.
This ans. does not create an attorney/client relationship.
You should help out your friend and answer her companies request, I would not suggest doing so for the other parties company.
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I would not give a telephone statement without the advice of your attorney and being in the presence of your attorney if the attorney deems it is wise for you to give a statement.
You may contact the Law Office of Robin J. Gray for further legal advice. Office (610) 689-0877; Fax (610) 689-0932; Cell (484) 769-5855; robingraylaw.com This answer is for informational purposes only. It does not establish an attorney client relationship.
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