> The other insurance company cut a laughably low-ball check, hoping the Rivian owner would cash it and go away. yeah, it happens all the time. in california y

> The other insurance company cut a laughably low-ball check, hoping the Rivian owner would cash it and go away. yeah, it happens all the time. in california you don't need to talk to the other drivers' insurance company. they will hound you for days, just ignore them. absolutely do not submit to a recorded interview with them. ignore their threats, of which there will be many - all bullshit, made-up nonsense. forget your nice upbringing and be a total ignorant dick about it, because they're trying to get you to slip up verbally. this is especially prevalent with "lesser" insurance companies because they know they're about to be hit with an enormous bill. i guarantee you the other driver will 100% lie their pants off with zero shame or remorse. their insurance company knows this, because all of their customers are shitty drivers who lie through their fucking teeth as easy as breathing. not only will they lie to the insurance company, they'll lie to their own god damn family. (one time the guy's daughter called me directly to try to ask me about my version of the accident because his english was non-existent - i hung up on her). they may be so good at lying that they convince themselves. stop and think about how incredible that is. these people are out there, driving around. it happens every single time (again, because their customers are morons), which is why they resort to dirty tactics to get you (the good driver who is not-at-fault) to say something incredibly stupid due to naivete and because your parents taught you manners. talk to your company's adjuster EXCLUSIVELY. they will abrogate the entire thing through the appropriate channels. if you have a dash cam the entire process takes like a week. if you don't have a dash cam, do the smart thing and buy one. don't tell anyone other than your adjuster about the footage. once they catch the other party in a lie based on the cam footage it's an open-and-shut case. upload an unlisted video to youtube so that you control access to the video (to the extent that nobody runs youtube-dl on it). you need to think two steps ahead of whatever moron is on the other end of this claim. when i got hit, along with my video submission, i annotated a google maps screenshot with a full diagram of the accident with both street and satellite imagery. yeah - my claim had satellite photos - you think this is a motherfucking game? i pre-wrote my recorded statement and read it back into the phone like i was back in grade school. i probably did 80% of the adjuster's job for them. as soon as you are involved in an accident it's a legal battle with no holds barred. you never know what absolute cockamamey horseshit (medical bills, injuries, etc.) they will just fabricate out of thin air. the crowd on HN is either broke as a joke, or upper middle class++ - if the latter, protect your ass in every way possible. put your business thinking cap on as soon as you get in the car.