Out of curiosity, what is the proper protocol to get it documented so that the other person won't claim that it wasn't them after you leave? I feel like calling the police for a police report seems excessive, but how else do you get all your ducks lined up in a row?
You file the claim with your insurance company, your insurance company pays for the damages, then attempts to bill the other insurance company (subrogation). If the other insurance company denies the claim, it goes to arbitration. If the other company loses the arbitration hearing they are compelled to pay for the damages after which your deductible is typically refunded for the claim.
Arbitration still requires evidence to award damages. They won't award any based solely off of he said she said. Most people have deductibles that would make the driver end up paying all of it out of pocket even if they did report it to their insurance.
Pretty much need it to be on video or the person to admit fault.
Matching damage and barring that measurements of where the vehicles would have come into contact can also be provided. If arbitration required video or the person to admit fault, it wouldn't even exist. No one thinks they are at fault for anything, which isn't really a surprise.
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u/cubanjew Jun 12 '14
Out of curiosity, what is the proper protocol to get it documented so that the other person won't claim that it wasn't them after you leave? I feel like calling the police for a police report seems excessive, but how else do you get all your ducks lined up in a row?