Quote:
Originally posted by plett22@Sep 22 2004, 12:47 PM
Thanks guys. Caramon is right on this one (I just confirmed it with a friend of a friend who's friend is a cop....he was friendly). The dude she hit determines if it goes through insurance or not.
Cops have no say in whether or not it goes to insurance, but in most cases (90% of the time) you get a ticket if it was your fault. This could trigger some type of spanish inquisition from your insurance company down the road, so it's wise to beg and plead (or cry) for no ticket.
The report should be no big deal, other than opening my paranoid mind up a little. I still trust no one!! (Except CP of course  )
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As a worker in the insurance industry....
Fill out the report. If the other party chooses to go through insurance, you can tell your company that you are paying cash and would rather not have them compensate the third party for the damaged you caused. Thus negating the rise in insurance premiums ( for most companies ) (which may not any way happen if you are 6 years clear).
Cops actually have no say in whos fault it is. Granted, if you get a ticket then the insurance company can go on that, but if you have any proof that it wasn't the insurance adjusters go to war and figure out whos fault it is. You won't get a ticket for something like that, usually it is careless driving (which they won't hand out unless the damage was ridiculous), or following too close (rear enders). Plett if you have any questions PM me. I might be able to offer you some help.
Cops actually don't know much about insurance, they like to pretend they do.