No Police Report but was claimed to the Insurance

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Posted: Mon Aug 10, 2009 7:04 pm Post subject: No Police Report but was claimed to the Insurance

I was in heavy traffic. I was pulling forward and he was going backwards. He had a scratch that was maybe 2 inches long. I had no damage. You can't even tell that I hit him. We took each other's information and he said that he had paint in his garage. No police report was filed. The next morning I got a phone call from our insurance that there was a claim filed. Can the claim actually go through? Without any true evidence on my vehicle and no police report. I did take a picture of his scratch. What should I do? _________________ Register Now to have your Insurance queries solved.

8589

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Posted: Mon Aug 10, 2009 9:21 pm Post subject:

Quote:

Can the claim actually go through? Without any true evidence on my vehicle and no police report.

Anyone with your insurance information can file a claim. Legally the other person needs to prove you were at fault but your adjuster would also investigate the claim and make their own determination.

I'm guessing traffic was stop and go. If so, why would the other person starting backing up on the roadway? This is highly unusual and almost never happens. However, it's common for vehicles to rear ended others in stop and go traffic.

tcope

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Posted: Tue Aug 11, 2009 10:36 pm Post subject:

Quote:

Can the claim actually go through? Without any true evidence on my vehicle and no police report

Of course.

Quote:

I did take a picture of his scratch. What should I do?

Tell the truth...If you were negligent you owe the guy for the scratch that's all there is to it...why would you not want him compensated?
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.

Lori

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