Q: I was at red light. The light changed, and I drifted into car in front of me who started moving and then stopped. There was no visible damage to his car and none to mine at all. called. The police who said to stay in car until they got there because he was so mean to me. Now he is calling me to find out how I want to handle THE DAMAGE to his car. He had mentioned he was in a prior accident two months ago and lady hit him and gave him wrong info and “he isn’t going to get taken again”. I only drifted into him. I am totally afraid of him. I did not have the insurance at 12:00pm. I just went home and paid the premium. I forgot to pay it. If he was in accident before. There was no police report even written and the police had to get his information for me. (McKeesport, PA)
A: You need to verify that you had or did not have motor vehicle insurance. Just because you missed a payment or two does not mean they terminated your coverage. Call to be sure. If you are insured, report the accident and give them the information. They will handle it. If you are certain you did not have insurance at the time, you need to get ready for his potential claim. Gather your evidence. Make a written log of events, get the police report, log or accident report. If possible without trespassing or creating a disturbance, photograph the back end of his car. If he sues and you are not insured, do not ignore the papers that come in the mail. Take them to a lawyer and see if one can defend you at a reasonable cost.