I hit a car that stopped suddenly in front of me on the bumper. No injuries claimed so far, 1 scratch near the license plate.Two problems: 1. when i reported the claim to my insurer, they cancelled my policy pre-dated as effective the day before the accident(whole other issue i'm fighting) 2. i took pictures of the bumper and the rest of the other car(very old) and there were already scratches and CRACKS not caused by me!
If i am left to talk to the other driver's insurer alone right now, what can i do about being asked to pay for damage i didn't cause?
We were in a parking garage; it was a bumper bump on an already damaged bumper.
Am I allowed to make any demands that they prove that i caused the damage they want payment for? WIll they try to make me cover the cost of a new bumper?
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