My question involves an injury that occurred in the state of: California
Hey guys, I was involved in a MINOR accident a couple of days ago.
6:30 AM on my way to work I didn't pay attention at a red light and my car rolled into the guy in front of me, max speed 2mph.
NO damage whatsoever to either cars.
Guy said he's fine and that he won't be making claim since nothing happened, we still switched insurance and the guy took my phone number "just in case he does something, he will talk to me first."
I went ahead and took pictures of the cars, his insurance and I.D and sent it to my insurance company. I let them know what happened and that neither car or person was hurt or damaged in anyway.
BUT, I was in my mom's car which is insured under her name but I'm not on the additional drivers list.
I have my own insurance on my car.
Was driving her's to work because my car was at the mechanic shop and this happens.
My question is, can I get into any headaches because I'm not under her policy even though I'm insured myself?
Plus, how the heck can this guy make a claim for damages when there wasn't any?