California E&S Insurance

Need advice — other driver hit my trailer and now filed an injury claim against me (California) Hi everyone, I could really use some advice about a situation I’m going through. I’m in California, and I was driving my truck with my food trailer attached. I was taking it to a friend’s place so he could give me some advice on recipes. I haven’t started the business yet, so I don’t have commercial insurance on the trailer — only liability coverage on my truck. ⸻ Incident description • Image 1: I was in the right lane, crossing an intersection with my trailer attached. In the left lane, there was an SUV going in the same direction. Traffic ahead of both lanes was slow because of a red light further up the road. I entered the intersection since I had enough space to clear it, but the SUV next to me also went — even though it didn’t have enough room ahead to clear the intersection. • Image 2: The light turned yellow, and I continued since I could still clear it safely. Meanwhile, traffic in front of the SUV was stopped, leaving that car stuck in the middle of the intersection. • Image 3: I was almost done crossing, but the SUV beside me remained stopped in the intersection. • Image 4: The light turned red. I was finishing clearing the intersection, while the SUV was still stuck. My guess is that, even though my trailer has working lights, it was dark and the trailer is black, so the driver probably didn’t see it clearly and assumed it was just my truck. She then tried to merge behind me to clear the intersection. • Image 5: While trying to merge into my lane, the SUV hit the middle section of my trailer, around the wheel area. • Images 6–9: These show the point of impact — my trailer only has some scratches and a bent fender. • Images 10–11: The SUV’s front bumper came off from the impact. ⸻ After the accident I turned on my hazard lights, and she pulled in front of me. We both got out — she looked fine: walking normally, talking clearly, no visible injuries. I even recorded her walking and speaking just fine. She said the accident was my fault, I said it was hers. I called the police, but the operator said that since it was a minor accident, we should just exchange insurance information, so we did and went our separate ways. ⸻ What happened after The next day, I reported the incident to my insurance company (I only have liability coverage). I wasn’t looking to get any repairs on my trailer, I just wanted to document the incident. A few days later, I got a call from my insurance saying that the other driver filed a claim, saying she’s injured and that the accident was my fault 🤦‍♂️ Now I’m really unsure what to do. My policy covers only the truck, not the trailer, and I don’t know if that could still make me liable. There’s also a traffic camera at that intersection — I’m trying to get the footage, but I know it might be difficult.

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  "title": "Need advice — other driver hit my trailer and now filed an injury claim against me (California)",
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