If I hit a person on a bike but they were not injured, should I call my insurance company and should I be worried about being sued?

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If I hit a person on a bike but they were not injured, should I call my insurance company and should I be worried about being sued?

The police were called and an ambulance and fire EMT’s reported. The cyclist signed a refusal for treatment with the ambulance said just wanted me to pay for damage to bike.

Asked on October 20, 2012 under Personal Injury, Mississippi

Answers:

Catherine Blackburn / Blackburn Law Firm

Answered 8 years ago | Contributor

You should call your insurance company and let them handle it.  This is why you have insurance.  If the cyclist, indeed, is not hurt, your insurance company can pay for the bike and obtain a release of all liability.  Your insurance contract probably says that you have an obligation to report potential claims promptly.  Failure to do so may mean your insurance will not pay if this thing escalates into trouble.

I cannot tell you whether to worry about being sued, and what I say will probably make no difference.  Depending on your personality, you will or won't worry (you probably will since you asked the question).  Your insurance company knows how to handle things like this and you can trust them to do it.

It is probably tempting to try and hide this from your insurance company so that your rates don't go up or you don't get sued or something else.  I recommend you resist that temptation.  Hiding things or trying to manipulate them usually ends badly.


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