Another driver and I backed into each other in the middle of a driving lane in a Costco parking lot. Looking back and through mirrors I didn’t see her also backing up toward me.
We figured we were both obviously at fault so didnt call the police and bother with a police report. We moved our cars out of the driving lane, took photos of our documents and texted them to each other. Then I realized the insurance card she showed was several years out of date. She said she was actually insured by a different company now, but in the confusion I didn’t get a pic of the current card.
I don’t intend to file a claim and will pay for my own repairs, but I worry that if she files a claim against me and without a police report my ins company may pay out without contacting me to inquire therefore affecting my rate, driving history, etc.
Could I get screwed if she has my insurance info and I don’t have her correct current info ? and could she blindside me, blaming me now for something at the time we agreed was both our faults ?
We figured we were both obviously at fault so didnt call the police and bother with a police report. We moved our cars out of the driving lane, took photos of our documents and texted them to each other. Then I realized the insurance card she showed was several years out of date. She said she was actually insured by a different company now, but in the confusion I didn’t get a pic of the current card.
I don’t intend to file a claim and will pay for my own repairs, but I worry that if she files a claim against me and without a police report my ins company may pay out without contacting me to inquire therefore affecting my rate, driving history, etc.
Could I get screwed if she has my insurance info and I don’t have her correct current info ? and could she blindside me, blaming me now for something at the time we agreed was both our faults ?