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A positive personal story: I rear ended somebody a few years ago. It was at a right hand turn into a protected lane, so there was no reason for them to stop. I saw them start to go, then saw a kid running in the crosswalk and looked away. My car slowly rolled into their car until there was a minor collision. We both pulled over, but before getting out of the car the other driver opened the glove box and threw the contents everywhere and then got out clutching his head, saying, "oh my head, it hurts the collision was so violent". I called the cops and after a fairly short delay an officer came over and took a look.

The officer explained to the man that, as somebody trained in collision assessment, the damage to their vehicle indicated a less than 5 mph collision and that does not substantiate any physical damage to their person. I received a note from the officer with badge number and name should I need to contact her in the future.

After explaining this to the insurance company I never heard from them again.




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