Originally Posted by JARblue

File a police report or else most insurance companies won't cover it under uninsured motorist. And if you don't have uninsured motorist coverage in Texas, add it to your policy yesterday!



Maybe if you have $hitty insurance... I've only been in accidents that weren't my fault. More than half were people with no insurance, no license, and did not speak English. My insurance has never gone up due to accidents or tickets.

This same exact thing happened to me in my Sentra a number of years ago. Some jacka$$ ran me up on a median and I busted the oil pan and radiator causing like $3K in damages. I ended up paying my deductible because I didn't know I had to file a police report to get it covered under uninsured motorist, which would have covered my deductible as well.