What is the name of your state? Florida
A few months ago I scratched someone's car in a parking lot as I reversed from a dead stop. It was such a minor scratch, when the sheriff showed up he had us fill out a driver exchange form. I then reported to insurance and they said they'll take care of it.
Recently I received a letter from a lawyer representing the other party, apparently now claiming injury. When I contacted my insurance, they were surprised because they had already closed the file due to no-reply. Now they re-open the file.
My question is what should I do to protect myself knowing the other party and their lawyer are trying to milk the system? Isn't Florida a no-fault state? Why is the lawyer sending me a letter? My insurance claimed they already paid the other party for their minor damage (body and paint job). I only have basic PIP and liability (10/20) and I recently swithed to another insurance company due to premium increase of the previous company.
A few months ago I scratched someone's car in a parking lot as I reversed from a dead stop. It was such a minor scratch, when the sheriff showed up he had us fill out a driver exchange form. I then reported to insurance and they said they'll take care of it.
Recently I received a letter from a lawyer representing the other party, apparently now claiming injury. When I contacted my insurance, they were surprised because they had already closed the file due to no-reply. Now they re-open the file.
My question is what should I do to protect myself knowing the other party and their lawyer are trying to milk the system? Isn't Florida a no-fault state? Why is the lawyer sending me a letter? My insurance claimed they already paid the other party for their minor damage (body and paint job). I only have basic PIP and liability (10/20) and I recently swithed to another insurance company due to premium increase of the previous company.