I was in an accident today and the other party did not want to call the police to file a report. I was okay with that because the amount of damage I suffered was right around what my deductible is, so I figured it's not something I'd claim on my end anyway. And I figured if she wanted to forgo her right to a report, that was her prerogative. Who was at fault is also debatable.
What I'm wondering is can this person go to my insurance company to file a claim against me with no police report and no definitive evidence of who was at fault?
More importantly, what chance does this person have of getting my insurance to pay her for any damages?
If by some chance she should decide to call me after all, should I just tell her to speak to my insurance company and let her deal with it?
The only info this person has of mine is my name and phone number, as well as my driver's license number. Not sure if that makes any difference.
Thanks for any insight you can offer.
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