Originally Posted by EFI
What I don't get is if there isn't a cop there to write an incident report what is preventing the other driver at fault from completely denying everything that happened?
because he'd still be at fault in most situations. not to mention, all he would accomplish is forcing the matter to court where a judge would rule against him pretty quickly. then in addition to damages he'd be paying legal bills too. a person might try a stunt like that, but an insurance company (so long as you don't start suing for a bunch of other stuff) would just pay the claim.