I realised in a similar, though less detrimental, encounter that true insurance comes in the form of dash cameras. For the equivalent of an insurance payment or two, a high fidelity video of the entire vehicle surroundings can be had.

Honestly though, with a few witnesses and half a plate, it's a surprise they couldn't find the car that drove into you. Decerning the colour, and style of car, surely it'd be only a handful of vehicles matching both the description and the numbers.

I'm sorry that happened to you.

State Farm also screwed over a guy I know. He dumped their policy after they wouldn't pay anything on his accident (much less dramatic than yours) where they had some kind of parking related crash with 2 of their cars at home. State Farm told him that he could not be covered for an accident with another car on his policy because he "can't sue himself" so it sounds like they are only paying out when they have someone to sue about it.

Goes to show how strange modern life is that it was easier for them to cut a cheque than send someone down there. Happens all the time unfortunately. I wonder if someone at the impound lot rode it home.

Not a motorcycle, but my car was hit (along with several others) by a guy evading the police. I wasn't even in it, we were in a city and cars were parked along the street, and he came over a hill, ran a red light, t-boned someone, and then bounced against a bunch of cars down the street.

When I got the police report, I filed a claim with my insurance, which was the same insurance company as the criminal. They originally told me that, "There were 7 vehicles involved in this accident, and other vehicles were damaged much worse than yours, so we're not sure if his policy will cover all of the damage... So we'll have to file the claim under your policy, you'd just have to pay your deductible."

Absolutely not, I told her. "Well Sir, you have to unders-"

"No, ma'am, YOU need to understand that your customer's inability to be a responsible citizen is NOT my problem, and I am NOT having my premiums go up, or paying my deductible, when I did absolutely nothing wrong." After escalating to a manager and giving her an earful while threatening to drop my policy with them effective immediately, they miraculously realized his policy would cover the damage to my car. Easy day, right?

Now, I'll be honest: The damage to my car was completely cosmetic, but I was poor and could have really used some extra cash, hence why I was pursuing it. Well, brought the car in to be looked over by the insurance folks, and the assessed damage was like $800. Cool, I asked her for my check so I could go home.

"Oh, well, Sir, you still have a lien on the vehicle, and normally we would send it to your bank, and they would tell you where to go and then pay the repair shop."

Oh, cool, well, that's not what we're doing, I already have a shop lined up, I said, but needed the money for the parts.

Big tall dude comes over, also an insurance employee, as the woman and I are going back and forth, and he chimes in and goes, "Well, Sir, y'know, typically the bank holding the lien wants to handle these things, and, y'know, if the repairs aren't made and they repossess the vehicle, you could owe the repair costs."

My response: "Huh, fascinating. Sounds like a conversation between my bank and I, and with all due respect, I don't understand who you are to have that discussion on their behalf."

"Just cut him the check," as he walks away.

I fucking hate insurance companies.

I'm with you there.

Not too long ago, my company was informed by letter (as you should have been) of a price increase. I can't remember exactly, but I want to say it was a 600% increase on the company's rates. There's never been any claims on the policy, they just decided they could do it to enough of their clients, and probably enough would pay it that it wouldn't matter they'd lose a bunch.

I understand the provide we switched to actually provides greater coverage for less than the original amount we paid the first provider. Unbelievable.

It wasn't specifically for insurance reasons, but I got rid of my car after I noticed I wasn't driving very far. Now we have a couple cargo trailers and we do the shopping and the errands just as easily and we're saving tens of thousands doing it. We go through the winter as well, it's not for everyone but dress appropriately and have lights and you'll do great.

I've had great luck going through an insurance broker for my insurance. The broker can be a mediator should the insurance company engage in sketchy nonsense, and can get you into some cushy insurance companies than only do B2B and don't spend millions on consumer advertising. Plus brokers will know what insurance companies to go through for what buyers to likely get you the best rate

My job is shopping around for third party customer support vendors. One of their pitches I kept hearing was, "We don't lie to you about times."

And then they shared how their competitors were trained on a method of customer service where their goal was to get you to hang up as fast as possible to increase their velocity Metrics. So they would literally lie to you. Thinking it was a joke, I googled and yeah, apparently that was a REAL tactic done for decades.