"Gene" wrote in message
...
On Sat, 15 Nov 2008 17:12:30 -0500, "Eisboch" wrote:


wrote in message
...

I don't know if it matters, but this was on private property, in a
parking lot so no tickets were issued... This guy says he is going to
call his ins agent, should I call mine and make a claim for the
scratch on my trailer just to cover my ass?
----------------------------------------------

Here's my free advice, for what's it's worth:

1. Private property or not, a accident report should be filed with the
police, especially if he is
making noises about suing, or holding you responsible. You can still
do that.

Yep.

2. I'll bet if you check your insurance policy, you are *required* to
report
to them any accident in
which a claim may be made.

I'd make this PRIORITY ONE.


3. Do both. Write down your recollection of what happened and make
copies.
If insurance adjusters
start calling or asking for a statement, hand a copy of the same,
written statement to them and
any other authorized authority that asked for a statement.

Indeed. Pictures, paragraphs, etc. .... a preponderance of evidence is
what is likely to carry the day....

4. States vary with their insurance regulations. Check yours.

Yep.


Number 3 is very important. Don't rely on your memory to verbally repeat
the details of the event because you may be asked to repeat it several
times.

Insurance dudes and lawyers love to find the slightest inconsistency in your
statements to deny payment or declare fault.

Write it down accurately once, make copies and hand out the same statement
to anyone that requires one.
If asked to elaborate, politely respond by referring them to your written
statement. Don't offer anything else.

Eisboch