OT: Auto accident insurance scam artist
So far the 3 SD's are out of my house and driving their mom crazy instead of me. Yay! One of them managed to get caught on Maui when it was on fire. She made sure to take a selfie with the "strange red glow in the sky." LOL. Later she found out it was a forest fire and lucky for her, was able to get home with all her luggage.
I was stopped at a red light waiting to make a right turn last week. Out of the corner of my eye I saw the sedan in front of me move forward and thought they had turned. I rolled forward and was about to stop when I saw a truck barrelling through the intersection, trying to make the yellow light. I felt a bump. ARRGH. I rolled into that sedan, who had decided to NOT to turn after all.
We both pulled off the road into a parking lot. I was thinking "I'll bet there is not even any damage, the bump was so light." There was a slight scuff on her rear bumper, but that was all. My front bumper also had a slight scuff, no dents. I gave her my info and insurance and she filed a claim with my insurance. Having been an insurance claim estimator and adjuster for many years, I made sure to take pictures of her car's damages at the scene, to make sure that she couldn't claim any subsequent damages as being from my accident.
My adjuster calls me the last 2 days in a row and asks me to upload pictures of my front bumper damages. I did. He calls today and says this woman is saying that she has EXTENSIVE injuries from this accident, and telling him he "doesn't know what he is talking about." The adjuster says he discussed with his manager, and after seeing the minor scuff on my car, he is positive she is trying to milk this accident for a lot of money, and he will be denying her request for more money unless she provides medical proof that her injuries are caused by this minor impact, and not from a prior accident. He basically thinks she is full of it. I do too. At the scene I asked if she was ok. She suddenly got guarded and said "Well, maybe. I might be."
So now I am waiting for the other shoe to drop. Will she find a crackpot lawyer who thinks she has a chance in hell of winning this? Will she end up accepting the offer my insurance made to her - which is reasonable?
My main annoyance is that I really think people have gotten greedy and unethical - more so since 2020 than ever before. It makes me sad that this woman and I couldnt have parted ways with honesty and respect. I admit I rolled into her car. I am willing to pay the damages through my insurance, and for her to get checked out at a doctor if she so desires. I will NOT, however, be taken to the cleaners because she thinks I'm an easy mark for deception. People suck.