How the handle a late claim for car damage?

UPDATED: Oct 1, 2022

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How the handle a late claim for car damage?

While vacationing about 3 months ago, I drove on a major highway en route to finding gas and coffee. As my car sputtered, I moved to the median. The vehicle ahead of me pulled off as well and it is possible that my bumper touched his. The police arrived immediately. The officer concluded that I didn’t look well and insisted that I go by ambulance to a local hospital to be checked out while my car was towed. The officer asked the driver whether he wanted to report an accident and/or there was any damage to his vehicle. The driver responded

Asked on October 27, 2018 under Accident Law, Pennsylvania


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 4 years ago | Contributor

Your offer to pay is not a contract unless the other side accepts it as is within a reasonable time, so you are not yet obligated to pay this out of pocket. Until they other side said they were seeking money, there was no pending claim, so it may not be too late to report this to your insurer: while we do not have your policy to review, generally, the obligation is to report potential claims once you become aware of them (you can check the policy language to see what is your obligation): if the other side said there was no damage, there was no reason at the time of the incident to think there would be a claim, only once they contacted you. If you still have time to report it, then you should: you pay for insurance for a reason, so let the insurer handle this.

IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

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