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A minor fender bender. I was going approx 7mph with no damage to my vehicle. We exchanged information & then I went on my way. After I left the scene, he stayed back & called the police; 1 of the 4 individuals in the car claimed personal injury after I left. Police took his statement, not mine, then called me for my statement. I've left 6 msgs already for this officer, still waiting. I also found out that I was an excluded driver on the policy covering the vehicle I was driving. I used the vehicle without permission. I have a message from the other driver's insurance co asking for my statement. I'm not sure how to proceed. Should I contact the other driver to see if I can negotiate something or his insurance co and give them a statement? Should I keep quiet and hire an attorney asap?For clarification, this is not a hit & run situation. Also, when I say that I used the vehicle without permission, it was the vehicle of a member of the household I live in and I was not authorized to use it. The owner does not wish me ill, though I have betrayed their trust. Do I still need to hire a criminal attorney? Or should I find someone who can defend against a personal injury claim?
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