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collisions in the US only have a "mandatory" report because your insurance company requires it. And you have like three days to go into the police station and f

collisions in the US only have a "mandatory" report because your insurance company requires it. And you have like three days to go into the police station and file one, and the police don't really pay attention to them. Many drivers think that the police will get involved in every car accident, and when two cars have a little bump, people will stop and get out to "preserve the evidence" for the investigation into "who is at fault" that they expect will soon commence, but when the cops get there (because of the traffic jam) they just confirm that nobody is injured and tell the people to get their cars out of the street, and exchange license and insurance information.

Scoundreller 3y ago
In Ontario Canada, we have "fault determination rules" - fault gets "Algorithmically" assigned, sometimes illogically. Anti-consumer, but saves the insureco a ton on lawyers and balances out for them. Often police make you go to them. Tow trucks aren't supposed to bring unreported collision vehicles anywhere but a police station. Cops here do like to take the interaction as an opportunity to issue a ticket, such as "improper lane change" or "careless driving" (which can be another "hit" on your next insurance renewal in addition to the "hit" from being assigned fault). source: got summoned into court because the physicist who crashed into me tried to fight their ticket. They lost. My work treats this like jury duty and pays me, but I didn't realize until months later they took it out of my vacation. Grrrr.