Q: Personal Invoice from an Auto Insurance Company with no accident report or claim to our Insurance
11/2020, son was involved in minor parking lot auto accident- backing out of a parking space in a corner lot when a man driving a company truck cut through the lot to avoid a traffic light causing a minor collision. No damage to either vehicle because my son was in reverse and barely moving. Guy was apologetic and in a hurry-did not want to exchange info with my son (who had a passenger witness) & told my son that since there was no damage, just forget about it
There was no accident report, & our insurance was never contacted. Now 5/2021 my husband received a personal bill from that guy’s company auto ins requesting $2,000 for auto-body painting in 3/21. I assume they got our name from the license plate
The report from his ins co doesn’t include the location of the incident. This seems like an afterthought/scam to get vehicle work paid for. W/o any documentation of the incident, are we on the hook? To pay for this damage without proof, are we opening ourselves up to additional claims
A: You (and your insurance company) are responsible for damages caused in the collision only if you (in this case your son) was at fault in the collision. Additionally, the person claiming damages has the burden of proof of more likely than not to show that the damages he asserts were caused by the collision and that they are reasonable damages. If you did not report the accident to your insurance company, go ahead and do it now and let them handle it.
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