Should I report an accident to my insurance company even if there was no harm done?
October 3, 2008 8:03 PM Subscribe
A little kid ran in front of my car in a parking lot and I hit him. He was not hurt and there was no damage to my car. The boy's mother apologized and told me everything was okay. We did not exchange any information. After I drove away she called the police and filed a bogus report. What to do?
posted by tipthepizzaguy to Law & Government (12 answers total) 1 user marked this as a favorite
Thankfully there was a witness and his report to the police matches mine. I don't believe I'll be in any legal trouble. The officer I spoke to said the woman and her story were both "a little off."
What I am worried about is my insurance. Should I report this incident to my insurance company? Should I file a claim even though there was no damage? Is there anything else I need to do to cover my ass in case she sues or files her own insurance claim?