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Auto Insurance Claims/Somedody crashed my car and not telling

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Question
I let my boyfriend's sister borrow my car for 4 days. When she brought it back, it was dropped off before I got home. When I went to drive it I noticed it was in an accident. I went through the car a found another man's information (fist, last name, vin # make, model, yr of car, etc# which looked like the 2 parties exchanged insurance information. Now I spoke to the lady who borrowed my car and she is denied getting into an accident, and now blames her brother#messy right?!# Anyway I'm wondering since I have the guys info who was hit, how can I find out abut the accident #his # wasn't written down)Can his info be ran to locate him. I'm sure he has the answers I'm looking for. Is this going to come back on me, since I'm the registered owner???

Answer
You need to report this information to your insurance company immediately.  They will investigate and determine what needs to happen.  This is critical because it is possible the woman driving your car caused the accident.  If so, you need your insurance company to defend you from any claims brought against you as the owner.  If you do not report to them, it could jeopardize your coverage.

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Expertise

I am currently an Auto Claims Manager for a large insurance company. I have 20 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer......I can answer questions related to any aspect of Automobile insurance claims and coverages. I can provide an inside look at how insurers operate. I always treat my customers fairly and want to help make sure you are treated fairly. However, please keep in mind that being treated fairly according to the law does not guarantee that you will get what you want. I can also answer some questions regarding Homeowner's and other types of insurance claims. I have handled all types of auto insurance claims and coverages. I am NOT an automotive repair expert but can give advice re how insurers handle complex repair issues. Please keep in mind that every state has its own set of laws pertaining to rules of the road, liability, and insurance. No one is an expert on every state. I am most familiar with laws in Maryland, DC, West Virginia, and Virginia, but will attempt to answer questions for other states. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Experience

I am currently an Auto Claims Manager for a large insurance company. I have 20 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Organizations
CPCU Society. Adjusters license in multiple states. International Association of Specal Investigators

Education/Credentials
I have a B.S. in Finance and have completed the AIC and CPCU designations.

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