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...

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UPDATED: Sep 19, 2011

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Insurance Question from Flushing, NY

Asked on 09/19/2011

in an auto accident learners permit and it was someone else’s car my friend was in an auto accident while driving a car that was not his and with only a learner's permit, the other car had sideswiped his car, no one injured on both cars only broke off the mirror on the drivers side of the car my friend was driving. the driver of the other car and my friend decided not to go through any insurance, shook hands and forget about it all even though it was the other man's fault. The other person has filed a cliam. can a claim be filed only to let the insurnce company know he was in an auto accident as there were no injuries to any passengers in bothcars?

Answer given on September 23, 2011

When involved in an auto accident with people in both cars, it is a good idea to report the incident to your agent or company for information only. This is recommended since the other party can come back later and claim injuries. They can also present the claim differently than how it happened in an attempt to collect from the other party. This can happen even if there is no damage to either car.The owner of the car being driven by your friend is the one who needs to report the incident now, since the other party has filed the claim. Insurance follows the car, not the driver, so the owner of the car is responsible. Your friend will need to speak with the adjuster to explain his side of the story and to assist the owner in getting the claim resolved in his favor. The other party may have simply reported the claim as information only, in the event your friend, or the owner of the car were to file a claim against him. I would simply let the insurance companies handle it if it goes forward.


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