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BrittanyM2012 · Nov 12, 2012, 10:03 AM

In 2010 I was involved in a small fender bender, I barely tapped the back of his truck. Nothing happened to either car, except for my hood received a small dent. Now 2yrs later, the guy is suing for an outrageous amount! Could I really lose everything for a small fender bender?

smearcase · Nov 12, 2012, 10:22 AM

If he is claiming injury to himself or passenger(s) and can prove injury(s) in court, you may have some liability. What does your insurance agent say?
More information is needed. Has your insurance company ever settled any claim with him? What discussion was there at the time of the accident? Have you discussed this matter with an attorney?
$ 100K for a fender- not likely, but is there more to this story?

SweetPea95 · Nov 12, 2012, 10:22 AM

Well he is probably finding some stupid reason to get money. It wouldn't make sense now he asks for money that something happened to years ago. If he didn't take pictures, then most likely he won't get anything.

BrittanyM2012 · Nov 12, 2012, 10:50 AM

Well I was driving a 1997 Acura legend and he was driving a Ford F250. He was speeding but slammed on breaks to avoid hitting another car! I hit him at under 5mph. His truck was fine but now he says he had to have surgery and his truck was totaled... We have a lawyer that wants me to appear in court

BrittanyM2012 · Nov 12, 2012, 10:52 AM

No pictures were taken but the police report tells that his vehicle was fine! He even told me that he was fine and his truck was fine

J_9 · Nov 12, 2012, 10:56 AM

Have you contacted your insurance company about this recent development?

Wondergirl · Nov 12, 2012, 10:57 AM

Your insurance company wasn't involved at all? No police report?

BrittanyM2012 · Nov 12, 2012, 11:07 AM

The police were involved and we did make a police report!

Wondergirl · Nov 12, 2012, 11:14 AM

Be sure to report this now to your auto insurance carrier.

BrittanyM2012 · Nov 12, 2012, 11:19 AM

Should I be worried? Will he really get that much?

Wondergirl · Nov 12, 2012, 11:23 AM

I used to work for State Farm. Your insurance company has a department called subrogation (lawsuits). That department may end up handling this. If you have good insurance, you shouldn't worry. The adjuster assigned to your case will weasel out the truth.

What company do you have?

BrittanyM2012 · Nov 12, 2012, 11:29 AM

State Farm. It's actually my uncle's car but they said I'm covered too.

Wondergirl · Nov 12, 2012, 11:33 AM

If your uncle gave you permission, you are covered. Once the claim is reported to the agent, he will call it in to the claim office and it will be assigned to an adjuster who will call or visit you to get "the facts of the accident." So a good thing to do right now is to write down everything you remember about that day, about the accident. Do not fib or lie. You will eventually get caught. Also, draw a picture of the street and what happened with ovals for vehicles and arrows for movement. The adjuster will get the police report and will also contact the other party in the accident to hear his side of the story.

BrittanyM2012 · Nov 12, 2012, 11:36 AM

So I shouldn't be worried?

Wondergirl · Nov 12, 2012, 11:41 AM

Originally Posted by BrittanyM2012

So I shouldn't be worried?

No. State Farm will take over.

BrittanyM2012 · Nov 12, 2012, 11:43 AM

Thank you so much! I really appreciate your help. I just don't want to lose everything