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 26, 2011

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Insurance Question from Palm Springs, CA

Asked on 09/26/2011

Someone reported to the police that my car backed into his in garage while I was traveling on vacation. It did not happen. I returned from vacation and found a letter from a police officer in a city I visited while on vacation asking me to contact him about an accident that had been reported involving my car.When I called him, he said a witness had taken down my license number after seeing my car back into another car. He asked me for my insurance information, which I provided, and gave me the information about the party claiming damage.However, I do not remember parking in the garage which was the scene of the accident, do not recall backing into anyone, and, further, my car has no damage.

Answer given on September 27, 2011

Fully cooperate with your insurance company on this and let them know your concerns. Tell them you were not in this parking garage where this accident was supposed to have happened and your car has no damage. Offer to take pictures of the rear of your vehicle and send it to them. How much was the damage to the other person car? Perhaps $800 to $1,000? Surely that would have caused damage to your car. Point this out to your insurance’s company’s adjuster. Although they have adjusters that will take pictures, show that you are cooperating with them to the fullest. Find out what time this accident was suppose to take place. If you were somewhere else during this time, prove it! Were you in another parking garage and have a time stamped parking ticket? Were you at a restaurant and have your receipt with the date and time on it? Or perhaps at a bar getting drinks? Were you on vacation with a companion who can be a witness that you were not at this location? All of this can help your claim that you did not cause this damage. If the insurance company can not prove that you were there, they will more than likely deny this claim and the other driver will have to look for coverage under his uninsured motorist coverage.


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