An out-of-state church bus clipped me today... took my driver's side mirror off and scratched the paint a little. His fault, passing me as I was waiting to make a right turn in a line of cars. Damage cost will be below my deductible. The driver didn't want to give me his info; he wanted to wait for a cop. CPD will not come to an accident scene when no one is injured and vehicles are drivable. I explained that in Illinois it's the law that drivers are required to provide each other with insurance cards and licenses, police or no police.
Okay, well call the police.
The police told him they won't come, and that he must exchange driver's licenses and insurance cards with me.
I understood his cautiousness, but is the practice of drivers exchanging info without police involved that unusual outside Illinois?
Police report must be filed within ten days if anyone is hurt (and no cop could respond) or if damage to either vehicle is $1500 or greater. 911 told the other driver we should both file reports--two reports, but that's not exactly how it works. We can go together and file together, or one of us can file if the other agrees, but there should only be one report filed. He said he would wait to file, so I just went to the police station. As I thought, they wanted me to make sure he agreed not to file a second report before accepting my report, lest we confuse everyone with two police report numbers.
So he's out of state and I've got to sort this out with some church/uncredited college that I found lots of bad press about when I looked them up to see who I can contact there tomorrow. It would probably be better for them in the long run if we don't file reports or insurance claims--just send me a check for the mirror. I've replaced a couple of them myself already... life in the city, you know. These mirrors are plug and play, just require a socket wrench with extender and a screwdriver.
I can do it much cheaper than paying full retail for the part and installation, like a quarter of the price last time I did it myself. And I'll not worry about the little scratches in the paint if they'll settle so we can just be done with it.
I hope they recognized a good deal when they see one. If the driver has to make a special trip to file a report, it will probably cost 1/3 of the price of the mirror and his record will get dinged with the fault, and this could adversely affect their insurance rates. Bus insurance is pretty pricey. And I'd assume they'd have to pay him for his time, which will be considerable between the drive and the time at the police station.