Q: I received a summons. I have 2 questions below. Thank you.
In July 2013, while taking my autistic son to summer school, I was involved in an accident with a pedestrian in the parking lot of my condo complex in Arapahoe County, CO. She walked into the front fender of my vehicle on the passenger side above the front tire wheel well and rolled onto the hood. The windshield was broken, and she fell onto the ground. She sustained injuries and has served me a summons for negligence. I received a reckless driving ticket, being too confused about what has happened to adequately explain the incident to the officer. In any case, I have two questions: 1. ...the vehicle was still my mother in-laws at the time, and insured through her insurance. It was given to us as a gift, and my wife had just driven it back from St Louis the day before. Do I contact THAT insurance company, or my current company?
2. Am I still considered negligent even though she never stepped in front of my car but walked into the side?
A: You need to notify both insurance carriers, your mother-in-law's and your own. Your mother-in-law's carrier should be the primary carrier. The issue of negligence will be sorted out by the insurance companies or a jury, if the case gets that far.
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