Coverage & Claims

Am I required to provide insurance information if we agreed there was no damage but the other driver now wants to file a claim?

Technically you are required to exchange insurance information after an accident. To keep yourself from being the victim of any sort of insurance fraud you should always take pictures of both vehicles after an accident, even if there is no visible damage.

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General Insurance

Do I have to pay a deductible if I hit someone but my vehicle is not damaged?

In a case where you are considered at-fault in an accident, in Virginia, your deductible should only apply if your vehicle was damaged and you want it repaired by your insurance company. The only other time you should be subject to a deductible in Virginia would be if you are filing an uninsured motorist property damage claim.
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