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Probably the second one, because the first could sue YOU for trying to make them pay for damages they didn't cause. Unless the second person is your friend who wouldn't talk about it and you never bring it up again or call the police on it.

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Q: What should you do if someone rear ended you and their insurance agreed to pay then before repairs are done someone else rear ends you and agrees to pay for all damages incurred out of pocket?
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What happens if you have no home insurance and someone falls and hurts themselves?

They could sue you for whatever damages, medical bills and pain and suffering, they incurred. They could, theoretically, take everything you have.


If you are driving someone else's car does your liability insurance pay repairs to the vehicle you are driving?

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If your car is hit and you have no insurance is the other person liable for damages?

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Does landlord insurance cover car damages on property?

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If you hit someone in an accident does your insurance pay for the repairs?

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