I was involved in a car accident where I backed into another vehicle, but we didn’t file a police report or exchange insurance information. The other driver said the damage was minimal—just a paint job—and declined my offers to share my insurance details. I realize now that I should have insisted more, but I was really stressed at the time.
Now I’m worried about what could happen next. Since we didn’t exchange information, could they later come back and ask me to pay for the damages? If that happens, would my insurance cover it? I’m ready to take responsibility, but their quick refusal to accept my insurance has left me feeling anxious about the situation.
It’s understandable to feel anxious about the situation since you didn’t file a report or exchange insurance information. Here are some key points to consider going forward:
Potential Claims: The other driver can still decide to file a claim for damages later, even if you didn’t exchange information at the scene. If they do, they will need to provide evidence of the accident and the damages incurred.
Insurance Coverage: If the other driver files a claim and you have insurance that covers property damage liability, your insurer may handle it for you, depending on the circumstances and your policy. Generally, if you are found at fault, your insurance should cover the damages to the other vehicle, minus any deductible.
Documentation: If you have any documentation or evidence of the accident, such as photos of the damage or witness statements, keep that information handy. It can help support your case if needed later.
Follow-Up: If the other driver does reach out for payment or to file a claim, it’s essential to provide your insurance information at that point. Contact your insurance company to make them aware of the incident and ask for their advice on how to proceed.
Legal Advice: If you’re really concerned, you might want to consult with a lawyer who specializes in auto accidents. They can provide guidance on your rights and responsibilities in this situation.
Moving forward, it’s crucial to keep calm and stay informed about your options. Try to communicate with your insurance company as soon as possible to ensure you’re covered if any claims arise.