Quote:
Originally Posted by 01WS6
Im new to the forum but have been driving OTR for about 18 months with no accidents or tickets on my driving record. But this is my situation: Last night i came out of local grocery store to find that a women had backed into my 4 wheeler breaking the headlight lenses and doing some minor damage to my front bumper and quarter panel. My deductible for my insurance is $1000 and the damage didnt look to excede that, so when the women begged me to just swap insurance info and not call the police I reluctantly agreed. Bad idea. An hour later the local police departent called me stating she was making an accident report and told them I rear ended her in front of the store! I told the officer my side of the story but he didnt seem to buy it. Hes coming to inspect my vehicle today to make a decision as to whos at fault. I had no witnesses and either did she other then her younger childrent (probably not even 10). I have a bad feeling that im going to get pinned for this and if so how badly is this going to effect my current and future job opportunities? Is there any way to dispute an officers decision as to whos at fault? We had both left the scene of the incident for over an hour so i cant understand how the officer can take my word over hers or vice versa. Any advice in this matter would be appreciated. The last thing i want is to be blacklisted because of a rear end collision. BTW, I live in Michigan if that helps.
you should have called the police just to CYA. you would not have had to turn the claim into the insurance company. you can have accidents all day long and never make a claim to your insurance company to pay for it. there is a reason you should REPORT ALL accidents to the police. it protects you from stuff like this.
on private property all the officer would have done is make a report and your butt would have been covered. bol sorry you had to learn this way.
to others CYA.