Hit by a drunk driver.

[ToliXD]

Did the piece of crap even have insurance?

Yep, thankfully. Hard to read the info they gave us, looked like a 1st grader's handwriting. The person was begging us not to call the cops.

[roberth]

Yep, thankfully. Hard to read the info they gave us, looked like a 1st grader's handwriting. The person was begging us not to call the cops.

Sheesh, glad you're alright.

I hope you called the police, that drunk driver needs to be in jail, a lawyer would be my next step.

Begging you not to call the police, yeah right, that police report is the ONLY way you'll get compensated for the vehicle.

[rondog]

I hope you fell outta the car and flopped around like a flounder, screaming for Frank Azar.

[Irving]

Glad to hear you guys are alright.

Begging you not to call the police, yeah right, that police report is the ONLY way you'll get compensated for the vehicle.

That's not true at all. The police don't get to decide who did what.

I hope you fell outta the car and flopped around like a flounder, screaming for Frank Azar.

This is just stupid. Insurance fraud is the main reason why insurance rates are higher than they need to be.

[redleg1one]

Glad to hear you and yours are ok.

[ToliXD]

Oh ya, we called. Didn't want to be SOL for the damages to our car and our person. Going to get checked out tommorrow, my neck is killing me.

[opie011]

Glad to hear you guys are okay. Don't take it lightly. My wife was rear ended Wednesday morning and she thought she was alright. Since late Thursday till now, actually sittng at an after hours doctors office writting this, she has had terrrible neck and back pain! Best of luck to you with your insurance claims and more importantly, your health!!

[Irving]

Your body does weird things. Often times you'll feel fine for the first few hours after the accident because of all the adrenaline, then feel sore later. If you are hurting right away, then you should probably go get checked out. It is always a good idea to get checked out after an accident in my opinion. When I was an adjuster, I always told people to go get checked out as soon as they could if they were worried about anything. It is better safe than sorry.

[roberth]

Glad to hear you guys are alright.


That's not true at all. The police don't get to decide who did what.




This is just stupid. Insurance fraud is the main reason why insurance rates are higher than they need to be.

I must be mistaken.

How does it work?

[Irving]

The police only show up to record what the parties involved tell them. It IS important to get a police report, as it can help you determine who is closer to the truth when there are conflicting statements, but that is about the extent of the usefulness of the report. Just a record of observable facts of the accident, after the accident happened. Locations of vehicles, skid marks, damage on vehicles, etc. The police weren't there, so they don't know any more than the adjuster does. Plus, the police are only dealing with criminal issues. Insurance is a civil matter. I had many claims where people would say to me "Well the other guy got the ticket, so he must be at fault." or "Well the officer said the other person was at fault."

I have to explain to them that it doesn't really matter what the police said, as they don't get to decide the civil matter in this case. Asking a police officer for accident advice is about as much of a poop shoot as asking about gun laws. Police have a LOT of laws and regulations to be aware of and they really can't be experts on everything.

So, a police report can be a great thing to have, but it can also be completely meaningless. With that said, I fully agree that in ANY accident, it is always the best idea to call the police and try to get a police report. This will prevent people from completely denying involvement in an auto accident. It sounds ridiculous, but people do that all the time. Car accidents suck.


EDIT: I really hope I'm not coming across rude, as I'm not trying to be. It's just that the police aren't in charge of deciding fault in auto accidents. They write down what people tell them, record any facts that are available, and that's it.