Claim misinformation — Consequences?

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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: Feb 16, 2013

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Insurance Question from Ponce Inlet, FL

Asked on 02/16/2013

Claim misinformation — Consequences? Had a fender bender in parkg.lot a few days ago; I'm on mom's insurance, in her car (SUV). Crept out very slowly, careful. Second car was shorter,convertible with roof down; didn't see it. Only heard clunk. Witness checked cars as did I; Stunned, mortified and didn't see the damage. Other car uninjured, so didn't x-change info. Haven't the nerve to admit I damaged her car. Got claim filed and damage repaired. Didn't defraud insurance folks in any way. Still can't work up to telling her exactly what happened. Any consequences from insurance for skewed story? I plan to correct what they heard.

Answer given on February 17, 2013

If you have an auto accident, even in a parking lot, you are expected to give the insurnce company the best information you have available as to the details of the accident. It does not appear that you have given any false information to the insurance company.If you and the other car were backing up, then you would each be responsible to repair your own cars, unless there is witness information indicating greater negligencce for one or the other driver. Since you did not exchange information, your only option was to contact your insurance carrier for the repairs. It sounds like you did so and the car has been fixed, less your deductible.Depending upon the amount of damage, your insurance rates could increase. You can ask the agent or insurance company if there will be an increase. If so, you should tell your mother before the new policy is issued with the increased rates.

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