Looks like it's totaled

[joekono]

Originally Posted by DonM

Believe it or not, but although I was upset, I was under control, until the officer said I was fully at fault. Then I did start swearing like a sailor - Not AT the officer, or anyone in particular, just kind of "thinking out loud" - loudly.

Just kind of wondering (OK, ranting) about HOW could I be entirely at fault, when it was his inattention to what was right in front of him and his actions that forced me to react and swerve. After all, he was crossing 4 lanes of traffic, just to get to the lane he wanted and obviously never saw me already there. How is that my responsibility?

I would definitely go over that police report with a fine tooth comb. It makes no sense being your fault. Glad no one was hurt but with PSTD, I would imagine it would take some time to calm down. Wish you luck and make sure you "go over" that police report.

[DonM]

Originally Posted by joekono

I would definitely go over that police report with a fine tooth comb. It makes no sense being your fault. Glad no one was hurt but with PSTD, I would imagine it would take some time to calm down. Wish you luck and make sure you "go over" that police report.

I've heard (from more than one source), that insurance companies are disregarding the 'findings' of the officer on-scene and doing full investigations on their own to decide fault - for exactly situations like this one, where fault is assigned arbitrarily based on "witness" accounts (being a cop for so long, I KNOW how unreliable witnesses are), partial information and a host of other reasons that are not relevant to the incident.