Need some advice
My wife was feeling uneasy at a shopping mall and, while backing out, accidentally scraped the lower part of another person’s rear passenger door. It was just a minor scratch. We exchanged insurance information, and the other party mentioned they would contact us for repairs over the weekend.
Today at around 3 PM, they filed a claim with State Farm for damages to our car. Now, State Farm is asking us to choose a location for our vehicle to be inspected, which we hadn’t planned on. We’re a bit confused about our next steps. Should I contact our insurance and explain that we didn’t initiate a claim for our car? Should I inform them about the minor accident?
I appreciate any guidance you can offer. Thank you!
It sounds like you’re in a bit of a confusing situation. Here’s what you can do:
Contact Your Insurance Company: Call State Farm and explain the situation. Let them know that your wife was involved in a minor incident and that you did not intend to file a claim for your vehicle. Provide them with all the details, including that the other party filed a claim.
Clarify the Claim: Ask them for clarification on the status of the claim that was filed. Since you weren’t planning to file a claim for your vehicle, make sure they understand that you don’t want to pursue anything on your end.
Document Everything: Keep a record of all communications regarding this incident. Write down dates, times, and who you spoke with, as well as any reference numbers related to claims.
Communicate with the Other Party: If you feel comfortable, you might also reach out to the other party to discuss the misunderstanding about the claim. Ensure they understand that you were not intending to submit a claim for your vehicle.
Follow Up: After you’ve contacted your insurance, follow up a few days later to ensure everything is processed as discussed.
It’s important to be transparent with your insurance throughout this process, and they will guide you on the next steps. Good luck, and I hope everything gets resolved smoothly!