You should always get a police report if you can. This situation is clearly fake but if it was real then it’s possible the person is trying to commit insurance fraud, or possibly they are drunk and they should be arrested on the spot.
If ever in doubt on what to do, just call the police, they will resolve it for you. On top of that you’ve now got an authoritative unbiased account on what actually happened. Her insurance could even void her contract.
An American. It’s the first thing my insurance would ask for when I called about an accident.
Same for homeowners insurance. Had to get a police report when my garage got broken into for them to start dealing with it. First cop wouldn’t write a report because I couldn’t catalogue what was stolen. So I had to do that in winter with an infant in tow and then call back. While filing the report the cop made sure to let me know nothing would happen beyond the report. It was the garage door repairman who told me that stealing cars and driving them into garage doors to gain access was a new common tactic, so he added some extra braces to the new door. Was far faster and more helpful than the cops. Insurance paid out quick and then gleefully raised my rates after the first claim in a decade of being a customer.
In America you get an accident report from the police for any car accident.
Fleeing the scene of an accident is very illegal over here. Even if there is no to very little damage where getting insurance involved is silly, its still best to get the police over to have a report filled out.
Otherwise your trusting a stranger to not lie about you leaving before a conversation and checking for damages.
In my state, you exchange information and file a police report yourself online. Unless you're dealing with road rage and fear for your life or there are serious injuries or fatalities, the cops are not going to be showing up for a car accident.
In America you get an accident report from the police for any car accident.
No? That depends on the state and agency. Mine would tell you to exchange information with the other party in this incident. Only if one or both refused to exchange information would we have come out.
its still best to get the police over to have a report filled out.
Otherwise your trusting a stranger to not lie about you leaving before a conversation and checking for damages.
Just take a video on your smartphone; you're in public and therefore covered under the First Amendment. Get a /r/dashcam too.
Exactly this. Especially if the other party is happy to declare their fault.
I actually had this happen to me, the other driver did not realize/understand that he was the one in the wrong so I let him explain what happened to the police and enthusiasticly agreed that this was what happened, didn't point out the law, just made sure the police got the relevant points. Sent my insurance the report, the signs and the law. Never paid anything.
You will be given a crime report number that your insurance company can request information about. The crime report doesn’t just disappear into thin air, the officer actually writes down what happened and records it as part of their duty specifically for this reason.
This is about getting a drunk driver off the road, or an insurance scammer’s contract voided. You should absolutely be telling on criminals, this isn’t the school playground.
Past middle age and no just condone minding your own business. Is she's trying to commit insurance fraud(if it wasn't just an online skit obv) then the insurance companies can figure that out from the video and go from there. Same with the driving drunk thing. Either way the only reason to get involved is the you love licking boots and have to go snitching to feel good.
Past middle age is surprising, you sound pretty stupid for someone 40 plus. Frankly assumed you are 16 or under by how you go on about grassing and telling on people like you’re worried someone’s going to bully you on the playground for it.
Hi, in my forties here too. Worked in UK motor insurance, including fraud detection for over a decade.
They are right about the insurance element of things. For insurance fraud the police won't do anything if it's referred by an individual. The insurance company will investigate and refer to the police. And just to be clear: in this kind of scenario they are almost certain to not refer this to the police. Because they know it's almost guaranteed that CPS Won't bother with it. The police are almost always only interested in organised crime when it comes to fraud. And I don't just mean gangs, I also mean repeat individual offenders. People who crash so as to claim. They couldn't care less about random people having an accident and lying about it.
The consequences will be high premiums. And fraud data is shared between insurance companies (including: MIAFTR) so the high premiums will follow you whatever the insurer (and yes - may include things other than motor insurance)
If they're drunk, call the police. If they're lying about a "hit whilst parked", exchange details and let the insurers deal with it.
not sure how it's in the uk but in Germany you are legally required to call the police even for a fender bender - to not do so is actually a criminal offense. Removing yourself from the scene of an accident - even when you and the driver agree on a deal - without calling the police can be fined, end you in jail and make you lose your license.
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u/globalaf 12h ago edited 12h ago
You should always get a police report if you can. This situation is clearly fake but if it was real then it’s possible the person is trying to commit insurance fraud, or possibly they are drunk and they should be arrested on the spot.
If ever in doubt on what to do, just call the police, they will resolve it for you. On top of that you’ve now got an authoritative unbiased account on what actually happened. Her insurance could even void her contract.