i hit someones back bumper in a congested parking lot and the police didnt issue us either a ticket but he said that it was my fault and each one of us had to call our insurance companies. i want to know if each person is responsibly to fix their own damages or if i have to either call my insurance to have them pay for damager or if its better to just fix their vechicle so my insurance rate wont go up?
They will likely be making a claim against you at some point so you need to notify your carrier o you dont blow your coverage.
Responses provided represent entirely un-researched, casual opinions and cannot be relied upon in any way or manner as legal advice. No communication here is intended to establish an attorney-client relationship.
Call your carrier now and report the incident. Failure to do so could void your coverage if and when you need it, when the person sues you for personal injury damages. They have four years to bring a claim against you. Call now.
Legal Disclaimer: If this information has been helpful, please indicate below. 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.
It is not a great idea to not report an accident to your insurance company. As others stated, "failure to cooperate" with your insurance and failure to report could result in them denying the claim. It is in your policy, they are allowed to deny claims from 3rd parties if you do not cooperate. Then, the claim would fall on you personally.
As stated, report it to your insurance to avoid this scenario. One option you could do is try to settle the claim with the other person and have them sign a release of liability for property damage and bodily injury claims, HOWEVER I do not suggest this approach that is only if you are going to refuse to contact your insurance company as an alternative.
Legal Disclaimer: If this information has been helpful, please indicate below. Mr. Snyder is licensed to practice law in Florida. 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.
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