You need to involve parents or a lawyer, as appropriate.
Your question does not have sufficient information to give an answer. What type of "Accident Insurance" policy are you talking about?
Your insurance information and contact information would suffice.
Yes.
The insurance for the vehicle you drove will be primary, your personal insurance will be secondary. Be honest and give them the info for the person who owns the car, and your personal insurance info.
You have to contact your car insurance provider (normally by phone) to notify them that you have been in an accident. You give the company all of the information pertaining to the accident ie. if anyone was hurt, what the extent of car or property damage is. An insurance adjuster will then come to the scene to validate the information.
Always if in California. Check your local DMV office. But many people do not and the insurance company will figure it out anyway.
Please give me more information on this and I am sure I could help. Are you saying you did NOT have any accident at all, and the insurance company paid a second party for this loss? Please provide more info.
Yes you do have to give your name and address (they'd get it anyway) and the name of your insurance company. If the police were present be sure you get a copy of the accident report. Marcy
Always cooperate with an investigation by the police. Your question points out another reason to call the police when you are in an accident. Let the officer assign responsibility. Show the officer your license, registration and insurance card. After he is through with the investigation it will be obvious who is responsible and whose insurance gets to pay for the damage. Taken from www.progressive.com and the back of my insurance card. You must give all of your information to the other person and they have to give all of their information to you and it -must- be correct. Its the law. If the other party is at fault, even though they have your insurance info, they can't call your insurance and try to lay a claim. That would be insurance fraud and it is illegal. Note that only an official police report can lay fault at the accident. When there is no police involved, as would be the case in a parking lot accident, it is up to the insurance companies. Regardless, information must be exchanged and if it is determined that the other party is at fault by a police report, they cannot lay a claim against your insurance company, even if they have your info. If you are worried about identity theft. There is not much you can do. As I said above. You have to give the proper insurance information to the other person and they have to give it to you. There is no way around this.
Hopefully, both you and your friend have insurance. If you do, you call the insurance companies. If the other guy caused the accident, you let the insurance companies fight it out. Likewise, if just one has insurance, you call that company. On the other hand, if you caused the accident and both you and your friend have insurance, you call the insurance companies. If just one has insurance, you call that company. If neither you nor your friend have insurance and you caused the accident, you are in deep trouble. You could be out a lot of money. In either case, you only talk to the cops. You do not assume any blame even if you are at fault. You just give the facts. You can say the light was red when I entered the intersection. You have to tell the cop the facts or you can go to prison. Still, you do not say, "It was my fault." You do not assume blame. You do not make value judgements.
You can call your insurance company and tell them what happened over the phone and they should give you all the information you need about your accident and or any other questions or statements you need to know about what you need to do.
Ask the driver or owner of the vehicle. They are required to give you (and the police) that information at the time of the accident.AnswerOn an accident report, the police officer lists the insurance information. Contact the police department who responded to the scene to determine how to obtain a copy of the report.