I caused damage to her car, who has to inform my insurance company ?

Question

Ok I was driving the other day and my car hit the back of another car, actually it was not a hit but just a scratch, the lady came out of the car and took my informations and stuff.. Then she called a cop I don't know why ..anyway he took our informations etc...

then I went to the insurance company and informed them about it.. Now they sent me an insured statement of automobile loss. I haven't asked for that though because there was no damage to my car..

So the question is in this case, is it the one has his car damaged that should contact my insurance company or is it me?

Thank you.

Answer 1

The police have to be notified and a police report has to be filed. If it your fault your insurance information will be taken by the police and forwarded to the insurance companies. If it is your fault the other driver can ask for your insurance information and contact your insurance company. They will need a copy of the police report to make a claim against your insurance. If the accident is filed with your insurance company they will treat it however they see fit. You will normally have to pay a premium on the damage you caused.

If it is not your fault then your insurance company does not need to be notified unless there is a lein against your car. If you are still making payments on your car the bank or title holder may require you to repair your car.

The lower rate the insurance company the more they will nickel and dime you over what you owe.

Answer 2

You have informed your insurance company of the incident. It is pretty much standard procedure for them to send you a statement form. Most likely this is to get your version of what happened on record. Best that you inform them, instead of the other driver calling your insurance company.
A good insurance company will contact the other person, and ask for information from them - asking for damage estimates etc.
My guess is that the other person has informed their insurance company and letting them deal with yours.