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Auto Insurance Question from Celebration, Florida

Asked on 8/23/2019.   This question has received 22 views.
My daughter was in an accident. No police involved.   She is only 18, and has never been in an accident. She spoke to the other driver, and they exchanged info. There was no damage to either vehicle, and the other driver told her there was no damage. Later that day, he filed a claim with my insurance company. Can they process his claim without a statement from me or daughter?

Answer given on August 26, 2019

In automobile insurance the insurance company will usually wait for a statement from their client before proceeding with a claim from the other party.  You did not indicate the details of the accident, as to who was at fault and what happened.  It seems it may have been your daughter's fault.

Your daughter should speak with the insurance company rather than to disregard the incident. The other party could go to their insurance company for settlement and then that insurance company will come back to your insurance company and it may complicate the incident. Even though both parties seemed to agree there was no damage, the other party may have found some damage or simply changed their mind as to whether they wanted to file a claim or not. Since there was no police report or written information, your daughter will need to clarify her side of the story.

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