|
Question regarding car ins. and accident
I'll try and be brief here--back in April, I was backing out of my driveway while my across-the-street neighbor was doing the same--we were both looking at traffic and ended up backing into one another smack in the middle of the road, as our driveways are directly across from each other. I didn't see him and he didn't see me--complete accident. Besides being a neighbor, he is also a friend of mine--we both surveyed the damage, shrugged our shoulders and agreed that we would each take care of our own damages. My land cruiser suffered a broken taillight, bumper end cap, and some minor dents around the taillight housing--no big deal, car has other dents and scratches, etc.--replaced the light myself, and touched up the paint to prevent rust and called it a day--no claim filed.
His Dakota suffered a dented tailgate, torn tonneou cover, and dent in the rear cab corner where the tonneou was pushed into it. about 2,500/damage, which he turned in as a claim with his insurer.
Now, his insurer--Erie--is coming after me for half the damages and somehow tracked down my carrier who notified me of the claim yesterday.
I spoke to my neighbor and he told me he explained that we backed into each other--and have every reason to believe him.
What is my exposure here? Can Erie force a claim against State Farm on my policy?
I called my carrier and explained I didn't file any claim--which they "noted in the file."
Neighbor is angry at his carrier for the situation, and indicated he should have said he just backed into a tree, but I can't fault him for being honest as to what actually happened and have no ill will towards him.
This occurred in PA if that matters.
__________________
Eric
83 911SC/83 944
bunch of Honda 750s
69 Chevrolet C-20 Longhorn (family heirloom)
|