Originally Posted by
PityOnU
A younger, more naive me was rear-ended by a driver without insurance who gave me fake information and then left the scene, turning it into a hit and run. Didn't get the license plate at the time or anything as I was too shaken.
I did eventually report it to the police, but it was the next day, and I was told that I could no longer file a police report as they must be filed at the time of the accident. The person I spoke with at the police station took pity on me, at least, and after telling me to learn from the mistake, reassured me that this was probably the cheapest way to learn the lesson. The damage was only superficial, and were the other driver not insured, I wouldn't have gotten any money out of them anyway unless I actively took them to court. Even if I won in that case, if they are poor people driving without insurance, they probably wouldn't have been able to/been forced to pay out anyway.
This was in PA.
Wow, that sucks. I hit a moose years ago. I didn't have collision coverage so I didn't think I was covered. There was about $8000 worth of damage to my truck. Figured I was screwed.
Just for ****s I called my insurance company and asked hypothetically if I hit an animal if I was covered. They said yup, it was an "act of god" kinda deal and covered under comprehensive. My next question was how much would my rates go up. Not at all...Unless I make a habit of hunting down animals with my vehicles.
I had to file a police report (anything damage over $2500? has to be reported here). I went to the cop shop almost a week after the hitting Bullwinkle, drew a little cartoon of what happened for them and was on my way.
I worked with a guy years ago who was in a really bad accident year and years before. He was hammered crashed, hurt or killed someone. He's been paying for it ever since. Every paycheck was garnished paying for that accident. He was pretty much broke for as long as I knew him and probably still to this day. Play stupid games win stupid prizes.
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