Insurance information

UPDATED: Oct 1, 2022

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Insurance information

My truck was struck by a school bus while it was parked on the street by my house. The school says it will take care of it. What I want to know is what information do I have to give them. They want my insurance information. I feel as if it is none of their business. The bus hit my truck so they are liable to pay for it at all costs. What do they want my insurance information for. I do not like giving out any of my personal information to anyone. Do I have to do this?

Asked on December 17, 2017 under Accident Law, Washington


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 5 years ago | Contributor

First, they are no liable to pay until and unless you sue them and win, getting a court judgment (order) in your favor. The court judgment creates the obligation to pay. Any payment made by them or their insurer prior to that or without you suing is voluntary, so if you don't provide them the information they want, they simply will not offer to pay anything, and you will have to sue. If you are ok with doing that, you can go ahead and file your lawsuit, but if you want a resolution without suing, you have to work with them and cooperate. (Cooperating does not guaranty they will settle the case without a lawsuit, but it hugely increases the chance.)
Second, based on what you write, yes, the would (if sued) most likely be 100% liable. But their insurer will do its own investigation to   determine that (again, unless you choose to simply sue) and will want to talk to the other insurer to see if there is any chance your insurer will pick up part of the cost. Again, if you want the schoo's insurer to work with you, you have to work with them.

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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