In the summer of 2009 a friend of mine from out of country was visiting. We rented a vehicle (Dodge Nitro) for a drive up to Quebec City. The agreement was in my name as I qualified for a corporate discount, and he was listed as an additional driver.

He took his wife down to Niagara Falls while I was finishing up work before we were to set off on the road trip. On the way back from Niagara he ended up rear-ending someone on the QEW. Apparently there was an accident a few cars ahead and everyone came to a sudden stop. Due to the weight of the vehicle (he says it had bad brakes, but hey, it's a Dodge) he didn't stop in time and bumped the car in front of him. The only visible damage to the car was two nicks where the license plate screws tagged the bumper. The lady he bumped insisted on calling the police regardless as she said her insurance was already high and she wanted to avoid any trouble, and she was concerned there may be damage to the vehicle that wasn't immediately apparent.

Fast forward to yesterday. My insurance company calls. Looks like I'm being sued for injuries sustained in an accident. Even though I wasn't in the car at the time, I'm being targeted since the policy was in my name.

I think there is likely not much I can do here, but there's no harm in putting it out there.. any suggestions as to what I can or should do about this?