What should It
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UPDATED: Aug 26, 2011
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Insurance Question from Gilberts, IL
Asked on 08/26/2011
What should It I was recently involved in an accident and the guy in front of me stopped suddenly and I was just barely able to miss him. While the car behind me hit me from behind and pushed me into him causing 930$ worth of damage. The car who hit me took off while the guy and I stopped and since I had no proof of a hit and run we decided not to call the cops but now I owe the guy the money for his vehicle. What should I do?
Answer given on August 27, 2011
It is always best to call the police if there has been a hit & run involved in an accident. It seems there would be rear end damage to your car, that would confirm the presence of a third party. Even though you did not file a report then, it would be in your best interest to file that report now, so it will be on record.You should also contact your insurance agent and report the claim to them. Give them all of the details so they understand what happened. An insurance adjuster will then contact you for your statement on what happened. You should have a police report number by that time to give to the adjuster.If the other party is aware of the hit & run driver, he can confirm your story. The damage to his car should be paid by your insurance company since your car untimately caused the damages to his. It may be determined that you were not negligent for the accident, and your rates may not be affected.
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