The Titanic (Thanks Dan)

[Supernaut]

Originally Posted by RETed

If you were not at fault, then they were at fault?
If they were at fault, then their insurance should pay for the repair?
If their insurance paid for the repair, then that should not affect your insurance premiums?
Did I miss something?

Yes you did. While my insurance company takes my side, it's still the truck driver's word against mine. Even though I had a passenger with me, the account of anyone in the cars of the accident don't count. I needed a 3rd party witness and since the truck pulled over far away from the scene of the accident I was screwed.