If I caused a car accident, and the guy I hit lies to my insurance company saying he was hurt. Will they pay?

My roommate had a small fender-bender while driving my car. She didn't file a police report because she wasn't sure what to do. A police officer did come out to the crash site, however, and the guy my roommate hit told him everyone was fine, and we would handle the situation on our own since the damage was slight. We told the guy to get a few estimates and we would pay to have his car fixed. Instead, he just wanted us to write him a $500 check. He said he was "helping us out" because he could have said something about being injured. When he said this, we decided to just give him insurance information, so we wouldn't have to deal with him. He filed it under my parents insurance, but when my dad talked with his agent he was told that his insurance would go up drastically because now this guy was claiming that he and the other three people with him were injured. My question is, will my insurance have to pay since we don't have a police report that proves that the guy is lying?

RubiaBonita

This happened to me...this lady claimed I backed into her (which I did not and police said her damage was old and she was trying to blame me) anyways next thing I know she is claiming injury..well my insurance did this whole investigation and she had no medical proof and they send out spies to watch someone claiming injury..like if someone claims back pain and they are spotted at the gym lifting 300lbs obviously its a lie. they do a big investigation

tonalc1

He would have to have medical proof of injury.

However, note that there are some sleazy lawyer/doctor relationships out there. Your company will still pay (that's why you have it), but your rates will go up.

Chris

The police report wouldn't matter anyway. Even if he had said at the scene that he was fine, he's not locked into that. People don't always feel the effects of certain injuries until 24 hrs or so later. Do I believe this guy was hurt? No, but the insurance company will require him to prove his claim in the form of medical records if he insists on making a claim for bodily injury. If he has records indicating he was hurt, there's nothing else they can do.

He is probably looking for the insurance to give him a few hundred bucks to go away, which they will if they can. He was trying to milk you from the beginning and probably wouldn't have taken your $ or would have come back for more if you'd tried to settle out of pocket anyway.

scottb03gt

they will do an investigation, but if the guy goes to the hospital and gets a medical check and is hurt, your insurance will settle with him

D.L.

if the guy has medical records showing injuries then yeah your insurance company would have to pay out.

sarahl_smith381

That is basically what an insurance adjuster will do. A claim is a claim.....whether it is $100 or $1000.00. I would leave it up to the company. People get dirty when they realize that they can make a few bucks.

Ha Ha Charade You Are...................

If he gets a Dr.s note saying that there is an injury the answer is yes.

A Carmy of One

You first of all shouldn't have gotten your parents involved. That was just dumb. Second, you should have filed a police report, period. Third, if there WAS an officer on the scene, he should have the accident report that says that no one was hurt.

Last, because you didn't act to defend yourself from the get-go, this guy can probably say or do whatever he wants. Because you probably had a party to go to, you opted to be extremely lazy(and let your roommate drive your car which is a no-no), and now this guy has the upper hand. To be honest, you deserve whatever you get.

premiumcarrot

nothing's gonna happen.

if there's injury it'll be a police case & not private settlement with your insurance company i believe. in this case i believe its a private settlement and the dude can claim from your dad's insurance.

tell the fella to f*ck off and apologize to your dad for raising his insurance premium.

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