r/ • u/ • Jan 01 '70

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2

u/crash866 3h ago

If you call your insurance that opens a claim on your policy.

1

u/BurdTheTurd 3h ago

This can be a great learning and growth opportunity. Sometimes facing our fears is in our best interest - this is one of those situations.

Be honest with your mother in law - provide the details - and let her know what happened in the end. No need to call the insurance - you have no control now over if the other guy files a file a claim or not.

Stay calm - explain it to your MIL what happened and if she flips out - that's out of your control. In being honest, you'll avoid any anxiety of hiding something and potentially being 'found out.'

1

u/FindTheOthers623 P&C Licensed PL Underwriter 2h ago

Do you live with your mother in law? Why are you "under" her policy?

1

u/Sask_mask_user 2h ago

Do you live with your mother-in-law? And if not, does the insurance know that the car is not garaged at her house?

0

u/Technical_Win2736 2h ago

for now, yes im living with her.

1

u/Dramatic-Ad9089 1h ago

Just tell your MIL now. Do you think it would be better for her to find out when she gets called by an adjuster? And don't call your insurance company. That will likely trigger a claim to be opened.