The Reason For Accident Reports

Yah, I did it.  You know how a couple of weeks ago I was in a car accident where a man backed up into my car at a stop light?  Well after opening up a claim with his insurance company they came back to me and said that the man was no longer certain if "he had backed up into us or if we had rear-ended him".  AHHHH!  This stressed me out completely because if they took his word for it (as they probably would because they wouldn't want to pay) I wouldn't be able to get my car fixed soon because I would then have to pay for the repairs and my insurance premium would shoot up.  

This is where I am very grateful that my brother told me to call the police at the scene and have an accident report written up.  The only reason that I now do not need to stress out is because I ordered the accident report online, e-mailed it to the insurance company, and pointed out to them where it was written on that accident report that the man who backed into me actually backed into me.  They couldn't refute the evidence and accepted liability.

I have now learned my lesson.  I wasn't going to call the police in the first place because the guy that hit us seemed so decent at the scene.  He pulled right over, admitted fault, and said his insurance would pay for the repairs on my car.  If my brother had not called the police I wouldn't have a leg to stand on at this time and I would be stuck with repairing my car on my own.  Thank you bro.  You just took a lot of stress out of my life.