Nice job committing insurance fraud and completely lying to your insurance company about what happened. I mean, I had started backing out, and saw you throw your car into reverse and start aiming at me, yes…but I stopped my car and honked THREE times at you to get your attention, which was clearly diverted elsewhere.
However, you tell your insurance company that you saw my car moving in order to cover your own butt (which, from the way you drive, I can only assume you’ve had to do before). Of course, if you actually saw my car moving (which implies you were paying some modicum of attention), it begs the question, “WHY THE HECK DID YOU KEEP BACKING UP???”
The clear answer is that you were preoccupied with something else (talking up some girl on the phone or drowning out the world with music, I don’t know…). However, it’s much easier to lie than to admit that you made a mistake, huh?
Except for at the scene, apparently, where you actually claimed responsibility for the accident. You never said what distracted you, but you managed to vocalize that you were at fault.
At least until your insurance agent called. Then you’re changing your story again to try and keep your growing premiums down.
So then I have to go through more than a month of dealing with your crappy, unresponsive insurance company and driving my crunched-up car while they twiddle their thumbs and finally offer to split the $3000+ in repairs 50/50.
Fortunately, I have real auto insurance with a reasonable deductible that allowed me to reject their offer and finally get the repairs done at a fair price (not as fair as the $0 I should have paid for you ramming your car into mine, but much better than $1500).
Next time you get in an accident, I sure hope the other party gets the police involved to get a clear report that you won’t be able to flip on.