My question involves an injury that occurred in the state of: California.
A few days ago, my husband rear-ended another car at a low speed, resulting in both cars sustaining small dents a-piece. No police report was made at the site, even though my husband called them. The cops did not make a report as neither driver was injured, made both of them exchange their insurance information, and, after doing so, everyone left the scene.
Fast forward to today, we got an email from the insurance company, stating that the other driver was claiming 'injuries' and asking us to send them detailed pictures of the front, and sides, of our car to 'determine if the impact was such as to cause injuries to the extent that the other party is claiming'. The wording of this email leads me to think that the other driver is probably claiming extensive injury even though physical damage to the car was minor.
I am really worried now and concerned that this person may be out to get $$$. I fully agree that he may not have felt injured at the site and the symptoms may have risen later, but something about the email scares me.
My question is: If the insurance company denies his claims, then can this man come after us personally to get money out of our own pockets? Does the fact that no report was filed make a difference? We want to compensate this man for the damage his car sustained and for any injuries that he may have sustained as a result of the accident, but not for more than that. We just want to know the absolute worst case scenario here.
Please advise. Thank you for your time and help.