Join Date: Mar 2012
Location: Baltimore, MD
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Re: Pulled out a cleat at my slip, now getting pursued for damages - advice please
Not only am I not a lawyer, but I really don't know jack about anything.
Having said that, it's my opinion that nobody has a legal right to your insurance information. If the dock owner is legally entitled to compensation from you, then they need to take that up with you. You can decide whether to submit a claim to your insurance company or not.
I once had a truck that was struck and significantly damaged by another vehicle while my truck was parked. The other driver's insurance company asked me for my insurance information, and told me that I had to file a claim with my insurance company first, to see if they would pay. I did not give them the information, and told them that my insurance had nothing to do with the other driver's liability for the damage to my truck. Likewise, I think it's possible that the dock owner is hoping that they can get some free money from your insurance. I think that here in the U.S., many people think of insurance as a way to get money out of an unfortunate situation without anyone having to take responsibility, and many policy holders go along with this because they feel like they've dodged a bullet if their insurance company pays somebody.
If I were in the position that I think you've described, I would respond once, or perhaps twice, to the dock owner with a polite registered letter explaining that you are not liable for the damages to their dock. After that I would ignore them until contacted by a lawyer. I certainly would not give them my insurance information as that is none of their business.
By the way, it wouldn't hurt to get some advice from an attorney now. Many will offer a free consultation.