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The original was posted on /r/tifu by /u/MrsSodipop on 2026-03-26 00:31:26+00:00.
First time posting here, and im not sure how to indicate that this is a long post so this is my warning.
This happened Monday and I hate myself for not thinking clearly in a critical moment and also not researching auto policies better.
I was on my way to work and around 6:45am I was stopped at a red light and literally got rammed into by a Dodge Ram that rolled into me without slowing. The force caused me to slightly hit the car in front of me as well. It caught me completely off guard getting hit that hard at a red light with minimal traffic out.
We all pulled over and my heart was racing. I literally was frozen in my car for probably a min but it felt like forever. The woman in the car I hit got out first to inspect her car. I got out too and rushed over and asked if she was ok. She said she was. The guy who hit me then got out and was checking the damage as well. It was also raining and dark. The woman said that she was fine and there was no damage to her car or the front of my car so she said she was fine with not reporting it cause she had to go to work and she left.
So then it was just me and the guy standing in the rain and I was frantically thinking what the hell I needed to do. I saw the back of my car and the bumper had a dent and the frame was pushed in which forced my tail light partially out of place but it still worked. Still in shock and now I felt like I needed to be in a hurry cause the woman already left and the guy didn't seem to give a shit that he just caused all this. My mind made me feel like it was my responsibility to hurry and deal with this so we could get back to our lives so I grabbed a pen and paper and wrote down my name and number and told him to write his. Thankfully, I got that much since the back of my car was wet and the ink started running immediately.
That was major fuck up #1, #2 and #3. I did not think to call the police, I did not get his insurance and I did not even think to write down his dam plate number.
Luckily the phone number he gave me was correct because he called me later and said he wanted me to get an estimate so he could pay for it. Me thinking ok, it cant be that bad agreed and went to a body shop after work and did just that. I got quoted for $6-$8k because apparently my frame is more fucked than it looks and the trunk latch is also misaligned.
So Im thinking "fuck, theres no way this guy is going to pay out of pocket. I need to call my insurance." I text the guy telling him the estimate is too high and I need his info and of course he's not willing and insists we work it out. Then proceeds to spam my phone with calls begging me not to get them involved.
I file the claim with insurance and an accident report online with the DMV after the fact. I don’t hear anything for 2 days so today I gave my insurance a call. They say you need his policy number and I said he refused to provide it to which they replied they cant do anything without that information.
Fuck up #4, for some fucking reason, the agent at Geico had me convinced that I didn't need collision on my insurance. So I get told, if I had that then they could continue with the claim and do everything I need my insurance to do. Like, I literally had collision on my policy I opted for everything cause I wanted to be protected but then the agent who initialized my policy at the time said im over protected and I didn't need it cause my car was older or some shit. I honestly thought collision couldn't have meant what I thought it covered or why would he literally be telling me not to cover myself. I have a 2014 corolla with 60k miles and no damage or accidents whatsoever and I bought it new. So yes, I should have done research and ignored that idiot who clearly didn't know my specific vehicle and history but im still so pissed anyone would tell you to removed coverage you opted into.
So with no other options, I tried going to the police to file any kind of report against him to try to get this information from him because I thought in New York, you are legally required to exchange insurance information after an accident regardless of whether police are called. So either that's false or they didn't care. They said I cant do anything.
So here I am, alone with a messed up car and no one to help because in a moment of terror, I didn't do the right thing but also a moment of sheer stupidity because I was led to believe collision insurance was for some completely different and apparently insignificant thing.
With no other options left, I’m meeting this guy tomorrow at a body shop so he can “pay” for all the damages. He obviously is shady and is either uninsured or a really crappy driver with an already high premium. He doesn’t know he can just walk away scot-free so I’m hoping to god I can salvage anything from this whole shitty situation that is basically all my fault. My dad is going with me so I wont be alone at least.
I’m practically in tears because I have so much proof he was at fault to include front and rear dash cam footage. Him actually appearing on the footage as well, the description of his car but not plate cause of the rain and dark. All the texts he sent. Also the woman witness and her plate number. So maybe if I have to go to court over this I have what I need but I honestly can’t take another person telling me there’s nothing that can be done.
So yea, don’t be like me kids. Call the dam cops if its anything more than a scratch or at the very least get their insurance and plate. Better safe than sorry.
TL;DR: Got rear-ended at a red light, panicked and didn’t call police or get his insurance/plate. Damage ended up being thousands, he wont give me his insurance info and no one will help me because I didn’t file a report on scene so I’m stuck dealing with a shady man for being stupid.