I received a CA Authorization to release Policy Info form from my insurance company should I sign it?

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My daughter was in an accident several months ago. The driver of the vehicle that she rear-ended is claiming bodily injury although he was totally fine and there was very minor damage to his vehicle. After the accident, he would not release his information and no report was even filed by police because the damage was so minor. Should I sign this form? Can he go after us for our assets if the limits are too small?

10 Attorney Answers

Yes! Sign it and send it back. There is no downside. Your insurance information is discoverable anyway the minute suit is filed.
By withholding that information you will actually increase the chance of being sued and decrease the chance of a prompt settlement on a relatively straight forward case!
Good luck!
I agree cooperate with your Insurance Company. They should provide you with an attorney
Under California law an accident victim has no right to receive policy information from an insured driver without the driver's consent. But if the victim decides to file a lawsuit the policy information is discoverable. The victim's attorney wants to know the amount of your policy limits. If your policy limit if only $15,000, and you have no significant assets, go ahead and sign the form. It will let the victim's attorney know that a lawsuit might not be worthwhile.
Absolutely let them know the limits. Your company wont necessarily pay the limits, just because the pltf demands them.
Probably better to do it--the real reason is so the claimant's lawyer can make sure the client doesn't run up a bunch of chiropractic and MRI bills that won't ever get paid anyway.
yes you should sign it. Saves you lots of headaches.
You are not required in the insurance claims process to disclose your policy limits. However, if your limits are low, it would behoove you disclose the low limits to prevent litigation. If the damages are very low and the policy limits are high, you would have no reason to disclose the limits.
I would recommend that you sign the form and allow the plaintiff's attorney access to your policy limits. Failure to do so will only encourage the attorney to file suit, after which he will have an absolute legal right to obtain your policy limits, but now you will find yourself in the middle of litigation.
Based on your other comments, it may be time for you to sit down with an independent insurance agent and determine whether or not you currently have sufficient coverage to protect you for a significant claim against you or your family members. You may wish to consider purchasing an umbrella policy which would provide coverage above your basic limit and can apply not only to your car insurance, but also to your renters or homeowners insurance. Speak with an independent insurance agent about your current needs. If you do purchase an umbrella policy, make sure you purchase umbrella UM coverage in case you need it.
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Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received.

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