Legal Question in Insurance Law in New Jersey

First accident: rear-ending someone

I rear-eneded someone in my school parking lot this morning. They made a sudden stop and the left taillight on their car was already broken and covered with duct tape.

I parked in my spot and walked over to the victim's spot to survey the damage (they had already gone inside). I was called down to to the main office later to exchange information. The policeman took down mine and the victim's license and registration info which apparently gets forwarded to the insurance companmy.

After that, I asked the officer what would happen next, and he said ''nothing, really''. What exactly will happen (provided the victim doesn't file a claim?) Just that my insurance will go up?

However, the victim did complain of a headache, which sounds like whiplash, but it was a very low speed collision (perhaps 5mph, I was able to start braking before impact). The only cosmetic damage I am being blamed for is a small scratch on the bumper.

What I'm basically asking is, what should I do now?


Asked on 12/04/06, 5:59 pm

1 Answer from Attorneys
Scott Levinson Korybski & Levinson

Re: First accident: rear-ending someone

You should immediately notify your insurance carrier. While this may have been a very low impact, there is no telling at this point what the other driver may claim. You do not want to be in a situation where your insurance company disclaims coverage because they say you did not promptly notify them. Once they are notified, any claims made will run through them and they should cover it all (although you are right, your insurance may go up). IF you have any other questions, please feel free to contact me. Good luck.

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Answered on 12/04/06, 7:41 pm


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