Originally posted by: Huz
Unless they readily admit fault and you have witnesses to that fact, don't think that "getting hit" is a clear path to a new car or even a fixed car.
Last year, 2 Months after getting a new car, some hillbilly in a 1960-something Chevy Pickup that was barely roadworthy tried unsuccessfully to pass me on the right. He smashed the fvck out of my passenger side (~$3500 in damage). Because it was 10 minutes to 8 AM and everyone was on the way to work, I ended up having no witnesses that stuck around for the police, and it was eventually decided to be a "no fault" accident. Even though the dude apologized and said it was his fault at the scene, he eventually said that *I* cut him off when he made his statement to his insurance company. I get a knock against me and my insurance goes up as a result.
Hell, my brother was T-boned by a 16 year old girl who ran a red light in a busy downtown intersection a month after my ordeal. Even with witnesses on my bro's side, her insurance company denied the claim and USAA (our company) is still fighting them over it almost a year later.
Accidents suck, and insurance companies suck more.