I was driving on a one way street and the bicyclist didn't stop at the stop signs and he ran into me. (I didn't have stop sign). I stopped and asked if he is ok, and he was ok at that time. We exchanged phone number. I went into my car and tried to get my insurance and car information, and then he told me he got to go to school and he just left. I thought it was just a minor damage to my car so I didn't call the police. the next day I went to the police station and tried to file a police report just for record purposes. The police said I didn't have to. I have explained to my insurances company and they should be able to cover the damage. Right now I am worry that if later on the bicyclist will claim that he is injured and try to claim coverage from me or sue me. According to the police that this is not going to happen because 1.I stopped and asked if he is ok. 2. the bicyclist didn't want to exchange information and just left the scene right away. Can someone please let me know if the police is right and there are anything i need to worry about? Thank you!
No one can promise or guarantee the cyclist wont do anything. You have ins, and if he contacts you just refer him to your ins co.
As my colleague previously mentioned, there is no guarantee that the cyclist will not sue you. While I understand that sometimes police do not want to write a police report for accidents especially cycling accidents you should still try an get one to establish what had happened in your case so that it does not become a battle of whose version of the story is correct.
You have done all that is required. Now if he sues you you have a defense. You can't stop him suing you--anyone can sue--but not everyone is entitled to get a jugdment. That's what you have insurance for--if he sues you your company will hire a lawyer who will defend you in the case. So rest easy.
Well, since there was no police report written and no information exchanged, and if the bicyclist didn't write down your license plate, you are probably going to be all right here. However, there are never any guarantees, so you may still want to report the incident to your insurance company so that if the bicyclist ever does track you down somehow, your insurance company won't try to disclaim or deny coverage to you because of a late report of the accident.
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