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What's my next step? No fault car accident.


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On 4/1/2019 at 12:57 PM, HRSchenker said:

Is that still a thing? My wife and I drove through Tulsa a few years ago and some dickhead threw a full sized beer bottle at our windshield. We called Tulsa PD and they refused to send out an officer. Told us to go to a QT gas station, get a blank report, fill it out, and mail it to their HQ. Her insurance covered everything but damn I was surprised that they wouldn't take a report.

Was in a car accident Saturday night with my girlfriend. Some dumb fuck swerved right in front of us trying to make a turn into his residence and hit us head on. 100% his fault. A Dallas police officer arrived about 30min later and he refused to take a report. Said it is not necessary unless a crime was committed or public property was damaged. But he was a useless fuck who didn't want to be there so it could have been that. A police report is not necessary for an auto accident but it can help, especially if a witness was there who can give an unbiased report of what happened. But even after all that, it plays little role in the insurance company's decision on the matter.

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14 hours ago, NeverMarryAStripper said:

Can’t you can exclude people from your policy to reduce the cost

 

So, in my experience, everybody in the household is covered, unless you exclude them. 

So, if you've got a loser 20 year old son with speeding tickets and a DUI (I don't, thankfully) you're gonna pay through the nose unless you specifically exclude him from the policy. 

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