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The guy who rear ended me was at fault, and his insurance company is paying for all of my medical, and for 5 cars repairs!

SewTexas wrote:once you said you were hurting, the cop should have written a report, (he should have probably offered EMT's) I don't understand that...makes no sense to me?

They did offer EMTs, I didn't feel I needed that. That was all he needed to hear apparently.

SewTexas wrote:immediately tell the cop, "my neck hurts", "my back is a bit sore", "I think I'm going to go check in with my doctor, I just don't feel real good"

Already took care of that part, mostly because it is true.
The impact twisted my seat sideways and bent it back toward the back seat, (where my hat ended up). I had to have the car towed because of the seat and inoperable seat belt. I am pretty sore today, and it seems to be getting a little worse as I go...

29 years of driving and this is my first accident. I had heard that you won't be sore until the 2nd or 3rd day... now I know it to be true.

The Annoyed Man wrote:
I'm the one who taught him to always photograph the accident scene and the damage to both vehicles as soon after the impact as is practically possible.

I have pictures. I took a few as soon as I was able to get out of my car safely.




Oh! And for anyone else looking for it, the "Blue Form" is available online. It is called the CR-2 Driver's Crash Report.

(I had already downloaded it but since I wasn't sure if it was the right form, I drove 90 miles round-trip to get 2 copies of it! )

Get it here: http://www.txdot.gov/txdot_library/driv ... ecords.htm" onclick="window.open(this.href);return false;

I am taking notes as I go! Thanks for the info fellas...

I spoke with the adjuster assigned to my case, (I know, on a Saturday?!) and he told me that if the at fault's insurance does not recognize that he is at fault, my insurance will pay, but I will have to pay the deductible, and my rates may go up because of the claim, not because of the accident.
He was a little concerned because he had never heard of Utica of Texas Insurance before...

I guess I find it odd coming from Florida where they always write a report, and usually assign fault.

It was pretty clear that the guy who hit me was at fault, but without a police report I have to rely on his insurance company, (one I have never heard of) to do the right thing and assume responsibility. Otherwise, I have to pay the deductible, and my rates are likely to go up because I am no longer "claim free".

On my way home from the airport last night at about 7:30. East bound on 635 near Preston Rd. Heavy traffic, but moving. I stopped quickly for the car in front of me, the truck behind me, did not. The result was a chain-reaction 5 car accident.

When the officer asked for license and insurance, I handed him both licenses and my insurance card. He never asked about my G or made any comments about it.

But, I have a question: Has anyone here been involved in an accident and had the police say that it is "Policy" that they do not write accident reports.. ? The officer told me that, and said to tell the insurance agent the same thing. He must have said "Policy" 3 times. My insurance company had never heard such a thing except on certain holidays and such.