Someone backed into me in my work lot while I was in the car.

DJ-of-E

There's nothing you could do now, but make sure you take note of this experience next time. I've been in accidents before (and friends' in their cars) and I made a lot of notes and follow-ups so that when it happens to me, I am prepared to at least cover my butt.

My lesson that I keep telling my brother than friends is this.

At the scene of the accident, exchange information and either HAVE IT ON CAMERA or PUT IN ON PAPER at the spot and have the other person admit fault.

That way, when they look over at their insurance, they can't change their minds anymore and you got proof of who admitted fault. It's a easy and clean process for insurance companies as they have no way around it.

If he's a slimy bastard, he would say "it's my fault" just to get rid of you quickly. Don't let him out of your sight if he's not willing to be recorded or sign the paper. Call the insurance immediately and waste his sorry *** more time by calling the police and file a police report. A lot of times, people are afraid to deal with law enforcement, even professionals. With camera phones available nowadays, having a phone, taking pictures, and then showing to the cops make the cop's life a whole lot easier.

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Montez

Great advice!

VCuomo

Dude, please... I'm no lawyer, but there's no way I would EVER sign ANY admission of fault at the scene of an accident. And I doubt anyone else would either.

Getting photos, sure. But you ain't gonna get anyone (slimy, not slimy, lawyer, non-lawyer, or whatever) to sign something that says "I admit that I'm 100% at fault for this accident.".

Also, in many states you won't get a police report if there's less than $1,000 dollars in damage to each party (as estimated by the police, not you). If you want to ensure that a police report is taken, you usually need to claim that you're injured (you know, "My neck hurts - I'm going to go to the doctor's office right away.", that kind of thing).