You do have an obligation to exchange information. But if they are harassing you, cease contact and advise your carrier of this. Also, check your policy, as it most likely requires this. The insurers will settle it between them.
Stephen L. Hoffman
Law Office of Stephen L. Hoffman LLC
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Hello. I strongly suggests that you report the accident to your insurance company. Even though the other driver admits fault, you could still be sued. Act quickly and you should hire an attorney. I will be happy to discuss this further and in more detail. There are additional suggestions that I can make.
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You do have an obligation to report the accident to your insurer, so you might as well do that asap. If you do not do so and the other party sues you, your insurer may refuse to provide coverage. You should exchange your insurance information with the other driver and let your insurer deny the claim if the other person is at fault. There will be no reason for the phone calls to continue once the insurance info is exchanged.
Mr. Padove is licensed to practice law in Illinois and Indiana. He can be contacted at Burtonap@aol.com (219) 836 2200. 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. Padove strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received. If this information has been helpful, please indicate below.
You committed the worst sin possible in any auto accident by not making a police report. If you do not want to process the claim through your insurance, you can still report the accident and have them communicate with the other driver and her insurance. Don't think they won't "know" you had an accident just because you don't tell them. If you are NOT liable, it should NOT affect your rates.
If you were NOT injured, there is no reason for you to hire an attorney.
Unless you have an older car that you have NO intention of repairing, do NOT let the other insurance company repair it. Put the claim through your own insurance and have the car repaired properly by a reputable shop of the dealer. Car repairs ALWAYS cast much more than they are estimated to cost. The estimates are low so as to appease the insurance company. Inevitably, when the shop or dealer is repairing the car, a number of missed or overlooked items need to be addressed. Leave that between the insurance company and the body shop or dealer. NEVER accept a check unless you have no intention of repairing the car. You will be hundreds or thousands of dollars short of being able to repair the vehicle properly.
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