Tilted Forum Project Discussion Community - View Single Post - Being Accused of Hitting a Neighbor's Parked Car.

The_Jazz · 07-31-2010, 11:19 AM

At this point, you need to do nothing. Really. And you really don't need to worry about it at this point. Fuck what the cop says. It really doesn't matter at this point.

The important thing is that the car isn't yours. From that I'm assuming that you're not paying the insurance on it. Assuming I'm right, it's up to other owner to get to the owner and the owner's insurance company, because insurance always follows the car, not the driver (more on that in a second). Even with the police report, which really doesn't amount to much in this case since the cop didn't interview you nor do much of an investigation, you're not necessarily liable.

Now, if you want to be personally proactive (which is probably a good idea), then you want to do 2 things. Talk to your relative about the insurance for the car and BOTH OF YOU TOGETHER go see the insurance agent to explain what's going on. You probably want to start off explaining that you think it might be a scam, because YOU DO THINK THAT, RIGHT?! If you can't see the agent, call the insurance company together and explain the same thing. You want them to just fill out the paperwork to put them on notice just in case something ever comes of it.

Then you want to call your own insurance agent and do the same thing. Just tell them that you want to file a "notice-only claim" and that you don't expect it will ever come to anything because you didn't do anything.

Then go back to your regularly scheduled program and see if the other party ever does anything. They need to file with their insurance company.

Essentially the cop has said he suspects you but can't prove it. That means, to an insurance company, that they can't prove it either. If they could, you'd have been arrested for hit-and-run.

Chalk this up as one of those weird incidents in life and don't worry about it unless something else happens. After all, you didn't do anything and have an insurance company willing to fight to prove it for you.

07-31-2010, 11:19 AM	#8 (permalink)
The_Jazz Asshole Administrator Location: Chicago	At this point, you need to do nothing. Really. And you really don't need to worry about it at this point. Fuck what the cop says. It really doesn't matter at this point. The important thing is that the car isn't yours. From that I'm assuming that you're not paying the insurance on it. Assuming I'm right, it's up to other owner to get to the owner and the owner's insurance company, because insurance always follows the car, not the driver (more on that in a second). Even with the police report, which really doesn't amount to much in this case since the cop didn't interview you nor do much of an investigation, you're not necessarily liable. Now, if you want to be personally proactive (which is probably a good idea), then you want to do 2 things. Talk to your relative about the insurance for the car and BOTH OF YOU TOGETHER go see the insurance agent to explain what's going on. You probably want to start off explaining that you think it might be a scam, because YOU DO THINK THAT, RIGHT?! If you can't see the agent, call the insurance company together and explain the same thing. You want them to just fill out the paperwork to put them on notice just in case something ever comes of it. Then you want to call your own insurance agent and do the same thing. Just tell them that you want to file a "notice-only claim" and that you don't expect it will ever come to anything because you didn't do anything. Then go back to your regularly scheduled program and see if the other party ever does anything. They need to file with their insurance company. Essentially the cop has said he suspects you but can't prove it. That means, to an insurance company, that they can't prove it either. If they could, you'd have been arrested for hit-and-run. Chalk this up as one of those weird incidents in life and don't worry about it unless something else happens. After all, you didn't do anything and have an insurance company willing to fight to prove it for you. __________________ "They that can give up essential liberty to obtain a little temporary safety deserve neither liberty nor safety." - B. Franklin "There ought to be limits to freedom." - George W. Bush "We have met the enemy and he is us." - Pogo