Rear ended while on test drive..Recorded statement?

[sherborne16]

We were rear ended while test driving a vehicle two weeks ago. The person behind us couldn't have been going more than 15 miles per hour. We are NOT pursuing a personal injury claim BUT we don't want to give a recorded statement. Can't the insurance company use their claimants statement and the police report? Both insurance companies are progressive insurance. HOWEVER even though my son was driving the car the owner of the vehicle (the car dealership) 's insurance is paying the damages etc because A. We were rear ended and B. the policy when test driving a car is that the owner of the car, ie the dealership. is considered the insurance for the driver at the time of the accident.. so we aren't bound by any contract or clause in policy to them because its not our policy being used period... they don't even factor into the equation.. We don't want to give a record statement what language can we use in a written correspondence to get this adjuster to stop claiming we have to do so???

[teyo]

You Do have to give a statement. You are required (by contract or not) to cooperate with the insurance investigation.
Even though the owner's policy will cover the damage, by not giving a statement, you may hinder their ability to subrogate against the other insurance for their damages. And if you interfere with their recovery efforts, they may turn around and hold you responsible.