onelten t1_ixfnskx wrote
there is a self a report form you can use if the police won’t do one.
it’s been my experience the insurance companies figure out what happened, that’s what your coverage does. the report is a guide for them to sort out who owes what, but ultimately they decide.
to each their own, but the two times i was in a crash, i moved my car out of the road-i’m not getting hit again and risking getting hurt. like i said, insurance will figure it out.
OceanAvenue187 OP t1_ixfo162 wrote
Okay, thanks. I’m glad I’m not the only one who’s concerned about getting hit again in that situation.
onelten t1_ixg0g5b wrote
the other thing to keep in mind too is that to you and me this is a rare thing, but to your insurance company this is a daily thing. they work for you, ask them questions if you don’t understand-they’ll explain it to you; just be polite and patient.
perlelaluna t1_ixh4lw0 wrote
Your car insurance does not work for you. Your car insurance works for itself and its profitability. If it can find you partially liable, it doesn’t have to pay you out- or (bonus!) it can even raise your insurance as well. I was rear ended twice in NJ, no fault of mine, one total loss car, and I wish I had just paid for everything out of pocket.
onelten t1_ixh8wda wrote
my experience was different. i was very happy with my company. no doubt some companies put the customer last.
perlelaluna t1_ixhet8r wrote
That would be geico. Ironically, all cars involved in those accidents both times were geico, so there was no winning to be had for them. I guess they just tried to minimize damage to their cash flow.
DiplomaticGoose t1_ixg784z wrote
if you want to cya I'd always reccomend a cheapish dashcam, just makes life easier in the worst case scenarios
Deep-Dimension8326 t1_ixhr5wm wrote
I was just about to say this. Having a dash cam is probably one of the best things you can do for yourself if you own a car. You have no idea how many times it will save u from dirty cops to a bad accident. To even catching something that could help someone else’s life if u have evidence.
Flat_Outcome_6408 t1_ixjue39 wrote
I got in an accident this summer on a not as busy road for that time of day. And, the 911 operator asking me to move my car if I could and before I could the cop was knocking on my window asking me to pull to the side of the road
🤷♀️ idk what’s proper and not ..I’m not a cop
[deleted] t1_ixhgjpv wrote
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