My cousin was driving on a shared road with bicycles. An old man on a bike suddenly turned left at an intersection right into my cousins car. Police came, report filed, the man was encouraged to go to the hospital. There was no damage done to the vehicle and no claim filed with the insurance company. Car and insurance registered in New Jersey. Now a year later my cousin has received a letter from the mans lawyer asking for their insurance information. What are the chances that the insurance will not cover or represent them considering they never notified the insurance company when the accident occurred. My cousin has a witness to the accident that she was not at fault. Thanks for your time.