Legal Question in Personal Injury in Kentucky

I tapped a parked car in a parking lot this past weekend in a vehicle I had on loan from a car lot. There was no damage at all. The owner of the parked car was not there and we waited for 30 minutes before leaving a note on her car with our phone number and what had happened. She called back that evening to inform us we cracked her bumper (we absolutely did not) and she wanted it replaced. We told her we didn't own the vehicle so we can't file a claim but we would pay for the repairs out of pocket. She called us back with an estimate of 629 dollars. We agreed to pay for it. Today we received a call from her insurance company saying she had filed a claim for the accident. Where do we go from here?


Asked on 5/11/11, 2:28 pm

1 Answer from Attorneys
Andrea Welker Welker Law Office

If there was no damage at all, why did you leave a note? Also, whenever something of that nature happens, snap a photo of the damage with your cell phone so you have proof if they come back and say you knocked off their bumper when you only scratched the paint.

What you do is report the incident to your insurance company and let them handle it. If there was no applicable coverage on that vehicle at the time, you shouldn't have been driving the vehicle. But in which case, you will have to negotiate with her insurance company to pay for the damages. Ask for three estimates on the repair, and pay for the lowest.

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Answered on 5/19/11, 9:23 pm


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