Posted by jimg.allentown on April 21, 2016 at 06:31:58 from (108.2.196.109):
In Reply to: Distracted Driver. posted by Geo-TH,In on April 21, 2016 at 04:29:54:
What happens later goes something like this: Lady returns home. Her husband returns home from work and sees the damage. Asks wife what happened. Wife makes up a story about how this guy with a trailer rolled back into her. So, the husband calls a lawyer and decides to collect on it so that his own insurance won't go up. In the meantime, he starts a claim with his own insurance company claiming his wife was not at fault. Insurance adjuster decides that since it is her word against George's, fault could go either way. So, the adjuster decides equal fault on both parts since it cannot be proved either way without corroborating evidence.
The bottom line is that you need to protect yourself from unwarranted liability. Many police departments will no longer take reports on minor collisions unless you insist upon it. I ran into that some years ago. A lady totaled her SUV on my ICC bar. Police did not want to get involved because both vehicles were drivable. I insisted because of the commercial status of my vehicle. Police came, report made, end of story. Without the report, the lady could have said that I rolled back into her or backed out of an intersection. Better cover yourself than leave it to strangers to do the right thing.
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