Not a serious situation but an annoying one. I was in a car accident a year ago where I was hit from behind. One of the players in the car behind me has their lawyer contacting me for information (do I have insurance, and if I do, the policy # and company). I will be contacting my insurance company but in the meantime...Do I have to answer the letter from the lawyer? There was a police report. Can't they get all they need from that?