How to handle insurance after a minor accident?
December 5, 2012 9:25 PM Subscribe
I was involved in a minor car accident on Saturday. There were no injuries and only minor damage, so we decided not to use insurance. Today, however, I got a letter from the other driver's insurance company requesting that I contact them. Lots of complicating details, and not sure how to proceed.
posted by mshrike to travel & transportation (12 answers total)
Accident happened at an on-ramp at night in heavy rain. Other vehicle was a pickup with two people, and I was driving with my wife. Both vehicles had drifted towards each other, but as far as my wife and I could tell, we were still in our lane.
Our car had a long but shallow dent/scrape on the driver-side door. Also, the side mirror was knocked ajar but still attached. The pickup had a more circular dent on the passenger-side door, but judging from the shape and patchy paint in that area, it's possible that was from a past collision. They had a large, solid metal bumper over the stock one that extended a little past the sides of the truck, so it's likely that my car contacted with that. Also, both people in the truck said that they didn't receive any damage on their side.
Took one picture of each of our doors, exchanged info, and left. We did not contact the police, and there were no witnesses. I opted not to get my dent fixed but had a shop paint it over.
Today (4 days later), I received a letter from the other driver's insurance company (AAA). It says that he submitted a claim and they need to ask me about what happened. I haven't contacted my insurance company (Progressive) at all.
I know that I completely botched this, but what's the best way to handle it now? It was a low-speed side collision, so there were absolutely no injuries. It seems like only my car was damaged, so I don't understand why the other driver filed a claim. Can I handle everything through the other driver's insurance? Will that affect my rates? Or do I need to contact my own insurance too? If both, in what order, and what do I say? This is my first accident, so I don't know how this is supposed to work.