Need advice on a minor fender bender

[eddyg]

What is the name of your state? PA
My car just literally tapped the rear of the car in front of me but there was no damage - not even a scratch to either car. The other driver called the police and ambulance. The paramedics told him he is fine after examing him for a half and hour.

I went and got the police report yesterday. It says non-reportable accident and there is "no damage to either vehicle". The officer also wrote I was too fast for the condition. It was freeze-raining and the road was little slick at the time. There is no citation or violation on the report though.

We both share the same insurance company. Two days ago an adjuster from the insurance company called me and wanted to talk about the accident. He said the other driver filed a claim that he was injured. The agent wanted to record my account of the incident but I told him I may need to talk to an attorney first. He said he will send out his people to check on our cars for damages. I told him I took pictures of the cars at the scene as well and can send them.

Should I talk to an attorney and follow his advise? Or give my account of the incident and send the photos to my insurance company? Thanks

 

[Taxing Matters]

Should I talk to an attorney and follow his advise? Or give my account of the incident and send the photos to my insurance company? Thanks

Your contract with the insurance company almost certainly requires you to cooperate with the insurance company investigation. Take out your policy and read it. If it has such a provision and you don't cooperate the insurance company may deny payment of any claims arising out the accident, which would leave you paying out of pocket for it.

 

[LdiJ]

What is the name of your state? PA
My car just literally tapped the rear of the car in front of me but there was no damage - not even a scratch to either car. The other driver called the police and ambulance. The paramedics told him he is fine after examing him for a half and hour.

I went and got the police report yesterday. It says non-reportable accident and there is "no damage to either vehicle". The officer also wrote I was too fast for the condition. It was freeze-raining and the road was little slick at the time. There is no citation or violation on the report though.

We both share the same insurance company. Two days ago an adjuster from the insurance company called me and wanted to talk about the accident. He said the other driver filed a claim that he was injured. The agent wanted to record my account of the incident but I told him I may need to talk to an attorney first. He said he will send out his people to check on our cars for damages. I told him I took pictures of the cars at the scene as well and can send them.

Should I talk to an attorney and follow his advise? Or give my account of the incident and send the photos to my insurance company? Thanks

Why do you think that you need to talk to an attorney about a no damage accident? Even if somehow he was injured you are properly insured.

 

[quincy]

Why do you think that you need to talk to an attorney about a no damage accident? Even if somehow he was injured you are properly insured.

You’ve seen the policy?

 

[LdiJ]

You’ve seen the policy?

Are you really doing this?

 

[quincy]

Are you really doing this?

Yes. I am curious how you know that eddyg was properly insured.

 

[eddyg]

Yes. I am curious how you know that eddyg was properly insured.

I'm properly insured - comprehensive coverage, full-tort and all. I've been with this company for decades. Never had any claim until this one.

 

[quincy]

I'm properly insured - comprehensive coverage, full-tort and all. I've been with this company for decades. Never had any claim until this one.

Thank you for adding this information.

I hope that the other driver is not trying to collect on injuries that don’t exist.

 

[HighwayMan]

Two days ago an adjuster from the insurance company called me...

Was that YOUR adjuster or the other person's?

You DID notify your insurance company of the accident, didn't you?