Reader’s Question:

A kid ran in front of my automobile and I hit her. She was not injured and my car was not damaged. The mother of the little girl said sorry. I did not feel the need to exchange information since there was no harm done to both parties. The mother called the police after I went away and filed a report. There were witnesses and saw what really happenned, but what I am concerned about is if I need to inform my car insurance company in Ewa, Hawaii about this?

Jane

Ewa, HI

Yes, you can let your Ewa, Hawaii insurance carrier know. Actually I had a kinda similar case that happen to me a few months ago, and even though the woman never filed anything against me, but still I reported it to my insurance insurance company. If I were you, I would call my insurance carrier as soon as possible. They will most likely get a statement from the witness and from you

Typically insurance policies have rules or terms that require you to provide notification of insurance claim asap, because it is possible for your your car insurance company to deny car insurance coverage if you have failed to do so, and it still depends on the exact terms of the policy and other factors You absolutely should tell your insurance company what happened.

Always remember also that sometimes witnesses go away. The statute of limitations might be long enough that they will just wait until you can no longer track down the witness, and then sue later on. That also happened to me.

Goodluck!