I was involved in a NEAR accident that happened in a mall parking lot. I thought I was supposed to turn in between the parking stalls but my girlfriend told me otherwise. So then I u-turned out of the lot right away. There was a big parked truck that blocked my view as I turned back the way I came. I NEARLY hit a motorcyclist with my car. We both slammed on our breaks and he ended up falling off the motorcycle from slamming on his. I was going 20 mph. I just didn't see him coming before unfortunately. An ambulance was called but his injuries were minimal. After the cops got there I told them what happened and I was free to go. The motorcyclists insurance company just sent me a letter saying their investigation revealed that I caused the loss and that they were entitled to recover money from me. Ok yes maybe I was being a little careless but I never made contact with him or his bike. Shouldn't his insurance cover this themselves without help from me since there was no collision?