The issue here is about giving a statement to your insurance company. You have an OBLIGATION to assist your insurance company in their request for information after an accident. This is not simply a request, it is your duty. Failure to assist your company could result in cancellation of your coverage and loss of company representation.
Give them a statement.
If your son turned in front of on coming vehicle he is at fault, right of way violation. A police report wouldn't have made a difference and due to the cost factor many departments won't take one unless there are injuries. Good luck but new drivers (as well as old ones) make mistakes. That's why we have insurance.
Ken & Kris + Heidi the dog
Sequim, Wa.
2003 Dodge 3500 SRW 4x4 diesel
2003 Logan Wrangler XL 2 Horse slant load trailer
I agree with others that the insured has a contractual obligation to assist the insurance company with claims. However, I would find out whatever I could before giving the statement. WHY, exactly do they need this statement so long after the fact? Is someone claiming an injury? I would be very careful in crafting the statement and keep it short but hiring an attorney at this stage may be extreme if no one was injured. I would probably not give verbal statement but submit one in writing.
If it is the other insurance company or an attorney, then refer them to your insurance.
I don't think it will end in court, but it sounds like the insurance reps/lawyers want all the statements before deciding who issues checks.
"Whenever you find that you are on the side of the majority, it is time to reform."
Mark Twain
He gave a statement this afternoon. The interviewer stated based on his statement he was at fault because it is his responsibility to make sure the road is clear before turning.
The matter is in subrogation. We are not being sued. The other guy's company repaired his car and now they are attempting to recover the costs from our insurance company. She said they would pay the repair costs and the matter should be closed. I asked her to call us when the matter was officially closed. She said "no problem, I will".
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