By Anon - 09/02/2016 12:39 - United States - Toledo
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Unfortunately, when it involves things like money and insurance, people tend to shy away from doing so. Sad, but true. On a side note, I had a head-on collision in which a guy drove into oncoming traffic and nearly plowed his Dodge Ram's wheels into the windshield of my Honda Civic. If either of us was going any faster, I would be dead. Fortunately (and rightfully), they ruled it in my favor.
The problem is, in an accident, usually both parties genuinely think they were in the right. I mean unless it's something obvious like someone was texting on their phone or crossed lanes or something. I just hate how if you're in an accident both people get so angry and want to rip each other's heads off. It's called an "accident" for a reason. It's not like anybody wants to break their car and endanger anybody. Again, unless someone was being blatantly stupid. People just go into a rage sometimes. And especially if there were road conditions that caused it like ice or something, then even more reason why it's called an accident.
The police might not have a say in where the blame lies, but their report is used as evidence in the insurance case I assume. So if the report says basically says it's the other guys fault, then they can't really go against that. Although I assume there are a lot of cases where the police can't tell who was in the wrong, so there would be no blame laid anywhere.
You should explain what happened because usually the actions leading up to the accident can help explain what happened. Also there may be marks on the pavement to explain tire movement.
I hate people that can't take responsibility for their actions.