Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Oct 25, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Fondren, TX

Asked on 10/25/2012

Hi, i recently got in a accident on the freeway. The truck in front of me slammed there brakes dead stop. I slammed my brakes but hit them from behind They got out there truck and told me nothing happen to them and they were fine. My car on the other hand got scratches and a bit banged up body wise. We did not exchange insurance or info. she did take down my name just in case i tried to file a claim. Well a couple days later i recieved a claim in the mail. What do i do about this? She told me she was sorry for stopping and it was her fault even though i hit her. What do i do?

Answer given on October 27, 2012

If you have an auto accident that is caused by you rearending the other party, even though the stopped without warning, you are responsible for the damages to the other person’s car, your car and any injuries that may have been a result of the accident. The other party may have decided that you were at fault and did find damage to their car. You should report the accident to your insurance company to handle this. They will investigate and will pay for the repairs to the other person’s car. If you had damage to your car, you will be covered, less the deductible for collision damage. If you don’t have collision coverage, the insurance company will not pay for the repairs. If the total damages paid out are below a certain amount, usuallly around $750, your rates will not increase, unless the other party claims bodily injury. Let the adjuster handle this issue, even if it does increase your rates.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.