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Message: [QUOTE="UConNation, post: 3284491, member: 2931"] I've worked in the insurance industry for several year now and used to handle auto claims. First and foremost, in a claim like this, the only thing a police report is good for is to verify which parties the accident took place between. If they didn't witness the accident, all they're doing is typing up what you said and what the other party said. As was said above, so long as the other guy doesn't try to say that he wasn't involved, you're good on that front. In terms of which insurance company to call (yours or his), that's really up to your preference. If you don't mind forking over your deductible up front, then it'll be easier for you to go through your insurance. You'll ultimately get your deductible back when your company subrogates against his, but that can take some time depending on whether or not this guy admits he was involved. If you don't want to pay anything up front, then your only option is to file a claim against his policy. Again, rear enders are very straight forward liability claims, so as long as he owns up to hitting you, the process should be very easy. Side note - it's been a while since I've handled these claims, but I believe in Rhode Island you're entitled to Loss of Use or a rental. So, if you have another car that you can drive while yours is in the shop, make sure that his company pays you for Loss of Use of your car. It's not much (believe it's $20/day), but if you don't need the rental, it's a nice little bit of pocket change. [/QUOTE]

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