I swerved the car into a tree to avoid collision with an upcoming car in my lane. The tree fell to the ground and was totally destroyed but I saved my life and my friend's life as well as the life of those in the other car. The police man gave me a warning as it involved destroying city property. He said it will not affect my records. Now my friend's insurance is sending me letter after letter asking me to call them so they can ask about the details of the accident. My friend called them up and said that they should not involve me as he had asked me to drive and that he will pay the surcharge as under mass law the car's insurance only pays up to $500 and the driver's insurance pays the rest if they are found more than 50% at fault. My friend asked that I ignore them?