lyss9876 t1_j4iyk3a wrote on January 16, 2023 at 1:19 AM

So this is really two issues, the insurance piece and the madman with a gun piece:

Insurance: IDK what kind of insurance policy your mom chose to have on the car, but the fact that you were driving it in general would not negate the policy. So file the insurance claim, provide the police report, and see how it shakes out. Since the other driver did not make physical contact with your car, I would bet on it being ruled a single-car at-fault accident on your part. r/legaladvice can give more thoughts on this part. Sucks, but that is not the end of the world, and is literally what insurance is for (insurance will still cover at-fault accidents, but your mom's rates might go up). Even if police do find the other driver, I wouldn't exactly count on someone that dumb having the forethought to get his own insurance anyway, so it's likely that your insurance will be the one footing the bill regardless of the at-fault finding.

Onto the madman with a gun piece: If this happened as described, then please do your part to get this guy off the streets. So make sure there are TWO police reports filed, 1 for the accident and 2 for the threatening with weapon. When the police say they need a subpoena to get the cameras, do they mean redlight cameras, or surveillance cams from local businesses? It might be worth going to the local businesses you passed, explaining what happened, and asking if any of them are willing to share their footage with police.

It's not OK that this happened, and I hope they find the guy.

sirrigfc t1_j4izcjz wrote on January 16, 2023 at 1:25 AM

Thank you so much, we’re going to file tomorrow and see what happens. As far as the subpoena they said it was for the red light cameras as we were on the highway. One of my coworkers who was behind me said the guy continued on to 175 so i’m not sure where he ended up or where he came from. We never passed any local businesses but I doubt the red light cameras will be enough as the cops told me they were awful for getting plates.

Also, what I understand is you’re saying i should file a new report that i was threatened with a weapon? However, I believe it was added on to the original report from last night at the scene.