Navigating Confusion: What to Do After Receiving an Accident Letter for a Vehicle You No Longer Own

Hello everyone,

I’m reaching out today because I find myself in an unsettling situation regarding a recent letter I received related to a car accident that occurred back in April 2025. This correspondence arrived via certified mail, instructing me to forward it to my insurance company right away. However, there’s a significant hiccup: the vehicle mentioned in the letter is one I traded in at a Mazda dealership in September 2024. Since that time, I have not owned this car and certainly did not have an accident.

As this is my first experience dealing with such a matter, I am feeling quite lost. I’m unsure of the next steps to take. Should I contact a legal representative? Or is it better to get in touch with my insurance company? At that time, I was covered by Progressive, but I have since switched to Geico.

To provide a little update: I consulted with a lawyer who has agreed to draft a letter addressing the misunderstanding to both parties involved. The lawyer suggests it might be best not to contact my former auto insurance to avoid any potential repercussions on my rates. Likewise, we’ve decided against reaching out to the law office representing the other party, fearing that an admission of acknowledgment could be misconstrued.

If anyone has experienced a similar situation or has advice on how to handle communications regarding this matter, your insights would be incredibly appreciated. Thank you!