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: Aug 21, 2010

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 North Hollywood, CA

Asked on 08/21/2010

I’m being blamed for property damage on a commercial building that I had nothing to do with. What can I do to defend myself? I was a witness to property damage on a building under construction. The only remaining wall sunk down, because of 2 commercial dumpsters filled with dirt. I reported it to the necessary people, they thanked me profusely. Now, 2 years later, I'm finding that they blamed me for the damage, and told that I'm responsible to reimburse the insurance company $66,000. I explained what happened, and that I had nothing to do with it, but no one seems to care. Does this have to go all the way to court for me to have any say? How difficult is it to defend a subrogation?

Answer given on August 21, 2010

You need to contact your insurance agent and file a claim under your liability policy.  Even though it has been 2 years, your were just notified of the claim, so you are under no penalty for not reporting the incident sooner.

Your insurance company will investigate the validity of the claim.  They will take your statement of the events as well as the statement from the other party and/or their insurance company.  if you have any evidence of your side of the story, or any witnesses, be sure to advise your adjuster so he/she can investigate that portion of the story.

If this goes to trial your insurance company will provide defense for you.  Hopefully this can be settled out of court, but if not, you will be represented. 


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.