Of corse it helps that the other driver lied to her own company.
Long story short, she cuts in front of me, I try to avoid her but her tow hitch catches my bumper. No damage to her car. I report it to my insurance who basically tell me that since I hit her car it’ll probably be my fault but go ahead with the inspection etc and they’ll cover all but the deductible.
Her insurance calls me and I give them the story. I’m kind of surprised that she made a claim but after recording my story they say that she’s having back pain and oh by the way, she states that she was in my lane for several minutes when I rear-ended her car. This pisses me off because no way was she seriously hurt and because she’s flat-out lying but at least I know that the evidence backs up my story.
Anyway, this morning I get a call from my insurance company just to inform me that they’ve looked at the pictures and read the statements and I’m clearly telling the truth and she’s not since the damage is on the far left side of my car so a check is in the mail for my deductible. I ask (stupidly, since I’m not really a morning person) if her insurance has agreed to pay and they tell me that since I’m clearly the one telling the truth and she’s clearly lying, they’ll pay the entire claim and sort it out with her company later.
The only bad part is that my insurance rate may go up but since I only pay about $50 a month for my POS car, it still probably won’t be a lot. Meanwhile, I get to drive around in a brand new rental car while mine is in the shop all courtesy of my awesome insurance company (so glad I splurged for the rental car coverage).