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: Nov 29, 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 San Diego, CA

Asked on 11/29/2012

Is it reasonable for someone’s insurance to charge you $2000 for a small dent that you made on their trunk? I was backing up while he was backing up too and we both did not see and made a small crash.

Answer given on December 06, 2012

If you and another party were both backing and struck each other it is likely that the insurance companies will have each driver’s insurance company handle their own damage. That would mean your insurance company pays for your repairs and the other company pays for its client.You need to report this to your insurance company and let them work with the other insurance company and come to a settlement. If you are considered responsible entirely for the accident then your insurance company will pay the other person’s damage. They will determine the proper amount for the damages caused. However, it is unlikely they will take full responsibility of you were both backing up.If you don’t have insurance then you may have a problem as the other insurance company may try to get reimbursement from you for the damages. Without insurance it is more difficult to work with the other company regarding fault. You may be better served to refuse to pay. If the insurance company wants to pursue it in small claims court you can present that you were both responsible and you could win.


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.