You guys don't understand how insurance works.

You filed a claim with your insurance company. It really has no bearing on who is at fault. And even with it not being your fault you are now considered a "higher" risk. You rates may or may not go up but you are no longer a "preferred" customer.

With the case I mentioned above with My Civic I never even informed my insurance company. I worked directly with the other parties insurance because it was clear he was at fault and the police report would reflect that. My Sportage was also rear ended by a gal with no license and driving a friend's car. She was handcuffed and put in the back of the police car. I did the same with this accident too. Obtained the police report and worked directly with the owner's insurance company. Never informed my insurance company. Got a nice fat check.

And I'll say it again. NEVER leave the scene of an accident without having the police show up and write a report.


1998 Sportage - Gone.
2004 Honda Civic Coupe.
2007 Suzuki Grand Vitara - She got it.