While I was on a camping trip, my car nearly ran over someone while they were sleeping in their tent. My car was disabled and in neutral, and was being towed by a pickup truck with a chain. I was at the wheel of the car and was told to steer the car to follow the truck. While I was being towed, my car collided with another camper's tent. The woman inside the tent began screaming, and I stopped immediately and moved my car forward. Once the car was away from the tent, I got out of my car to make sure the woman was okay. She emerged from the tent, apparently unharmed. We then went our separate ways. Four days later, I get a call from a Personal Injury Law group asking for my insurance information, which I gave to them, along with the contact information of the towing company. They said she the woman is in pain. I do not know how close my car came to running her over. Should I be worried about a lawsuit? Do I need a lawyer? What should I do?
Notify your insurance company and cooperate with it. It has an obligation to defend you and pay any covered claim, up to policy limits. Frankly, if this person was inside the tent, you have no idea whether you hit them because you didn't see them. Just let your insurer be the investigator and decide how to handle the claim.
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I agree with Mr. Light. Turn the claim over to your insurance company and they'll take it from there. Post nothing further on the internet / social media.
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I wouldn't be worried, but what I would certainly do before anything else is to notify my auto insurance carrier and send any letters you have from the other party's attorney to the adjuster who will be assigned.
Your insurance policy is a binding contract between you and your insurance carrier. Each and every policy has a clause requiring its insureds to report any accidents or incidents in a timely manner. Failure to do so within a reasonable time can lead to the insurance company attempting to deny coverage by sending a disclaimer letter and later a denial letter.
Bottom line: report the accident immediately to your insurance carrier. This is the very reason you have been paying insurance premiums. Let your insurance carrier earn its keep. Your insurance carrier will indemnify and defend you up to the liability limits of your insurance policy.
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