Thanks for the support and concern Jeff  . I finally figured out what I need to do. Since the accident was entirely her fault, and Texas law requires insurance to at the very least include liability, I'm filing a police report as of tommorow (right now I'm finishing up the forms). I called her again tonight, after having giving her enough time to return my initial call, where I requested the insurance policy number. In our original phone conversation, she told me her husband was out with the car (which had the insurance policy in it) and had no idea when he'd be back. She reasserted that claim this time around. I called her bluff and explicitly told her the legal action I was going to take. Her lying became very obvious once I was very direct about the fact that I'm not stupid, or a push over, and am fully familiar with the situation now and how to handle it if I did or didn't get her cooperation. She then absolutely fucking lost it and started cussing me out, refused to give me the vehicle model and year, then handed the phone over to her husband (so he was home all this time after all, like I suspected). And he then claimed he didn't have insurace, contrary to what both of them had told me earlier before they resorted to being uncivil. So I'm going to include refusal to provide both items of info in the police report. The cops are going to pay them a visit. They'll going to end up with the responsibility of covering repair expenses for my car entirely. I also took a closer look at my car. The left rear door is also scratched, along with the left side of the hood, side of the front bumber, the left headlight, and the windsheild is cracked in places. So they're going to have to replace all of that, which also implies they're going to have to pay for a full body paint job, and hopefully I'll get to pick a new color  . It's kind of funny how this whole thing worked out in my favour ultimately. And even if they don't have insurance (which I doubt), I'm suing (AMERICA! FUCK YEAH!!!). The court will order her to fully cover repair expenses. Although the court doesn't have the power to force a payment, that's still easily taken care of. I forgot the agency/whatever my friend mentioned, but they'll make it a debt in her name, which I can take to a credit company who'll pay me fully in cash/check. Then it's the collection agency's job to recover the money for the credit company.
EDIT: It's good to have friends in Law school  .
___________________
"The Greatest enemy of knowledge is not ignorance, it is the illusion of knowledge." -Stephen Hawking
"First they came for the communists, and I did not speak out— because I was not a communist;
Then they came for the socialists, and I did not speak out— because I was not a socialist;
Then they came for the trade unionists, and I did not speak out— because I was not a trade unionist;
Then they came for the Jews, and I did not speak out— because I was not a Jew;
Then they came for me— and there was no one left to speak out for me." -Martin Niemöller
Last edited by shaolin_Z on Oct-08-2006 at 07:15
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My first car accident
But since I just got my car this summer, and haven't been able to find a job yet that will fit in with my course schedule, I haven't been able to pay for insurance for the last 2 months, and that translates into no insurance! Luckily she was a white chick married to a black dude so racial prejudice wasn't a factor that could make things even worse for me, considering I was in a small town in Texas, thank God! Now, the only damage to their pick up was a slightly bent front fender. But the cover plate for my left door is kinda fucked and my front left fender too (my hood and bumber are luckily fine, and windows and windsheild). My left side reer view mirror is also gone. But since I wasn't insured, even thought it was ABSOLUTELY her fault for not fucking stopping before coming out of her drive way, I'm ending having to pay for all the repair to their pick up. And now I also have to pay in full for repairing my car (since I told them I don't have insurance and we agreed to settle this without involving the insurance company). My relationship with my dad is non-existant, plus he cut me off completely a year back, so I can't ask him to help me out. And since my parents are divorced, my mom doesn't live in the US anymore and has a hard enough time covering my expenses and tuition. Now I'm going to have to tell her about this. So my situation fucking sucks! I have no clue how much it's going to cost to fix my car eigther (luckily there no damage to my engine, wheel, axl etc). Well, looks like I'm going to have to look for a job very agressively now. I've never been in an accident before and it obviously wasn't my fault, so I'm not sure what exactly to do. You guys have any suggestions?
