Had to jump in here. The idea that adjusters are out to downplay everything isn’t always fair. I get why people feel that way, but it’s not like we’re sitting around scheming about how to save the company a few bucks on every claim. I’ve been on the job for years, and honestly, most of us are just following the guidelines we’re given—sometimes the damage just doesn’t add up to what folks expect. That cracked bumper example? I’ve seen bumpers with spiderweb cracks from years of parking lot bumps and curbs. It’s tough because people want everything fixed, but insurance is there for sudden, accidental damage—not every little scratch or ding that builds up over time.
That said, you’re spot on about documentation. Photos, receipts, even notes about what time you found the damage—makes everyone’s life easier. But calling the cops for every fender bender isn’t always necessary unless it’s a hit-and-run or there’s real injury or property damage. Police reports help if someone takes off or if there’s a dispute about fault, but half the time they’ll tell you to just swap info and move on.
I had a claim last month where the guy took a bunch of blurry photos in the rain—couldn’t see a thing except his thumb and some water droplets. He was frustrated when I asked for more pics, but it’s not personal; we just need something to work with. Honestly, clear photos save so much back-and-forth.
Not saying insurance is perfect—far from it—but it’s not always the villain people make it out to be. Just gotta meet halfway: document stuff well and know what your policy actually covers before you get too deep into it.
Had a similar thing happen to me last year—came out of the grocery store and my rear quarter panel was all banged up, no note or anything. I called the cops since it was a hit-and-run, but honestly, the report was mostly just for the insurance. Totally agree about the photos—wish I’d gotten better ones, the adjuster had to ask me twice for clearer shots. It’s a hassle but makes things smoother in the long run.
I get where you’re coming from, but honestly, I think it’s always worth getting the police involved with a hit-and-run, even if it feels like a formality. The insurance companies love paperwork, and having an official report really helps protect you from any weird surprises later on. Plus, sometimes the cops can pull security footage or catch a pattern in that area—never hurts to have more eyes on it.
Photos are another thing people underestimate. I used to just snap a couple quick ones, but after my last incident (where the adjuster nitpicked every angle), I started going full amateur photographer mode—wide shots, close-ups, even the ground for skid marks or debris. It’s overkill until it isn’t.
In my experience, skipping steps to save time usually backfires and ends up costing more in the long run. Even if it feels like a hassle now, covering all your bases is just good risk management... especially when your wallet’s on the line.
Honestly, if someone smashed my classic and took off, I’d be calling the cops before I even checked the damage. Insurance companies will look for any excuse to pay less, and without a report, you’re just giving them ammo. Trust me, learned that the hard way with my ’68 Mustang—never again. Take the extra 20 minutes, save yourself weeks of headaches.
- 100% agree on the police report. Insurance loves to drag their feet if you don’t have all the paperwork lined up.
- Had a similar thing happen with my old Accord—didn’t call the cops, and it turned into a mess with my claim.
- It’s a pain in the moment, but that report can save you so much hassle down the line.
- Honestly, even if the damage looks minor, you never know what’ll pop up later.
- Good call sharing your experience—people underestimate how picky insurance can get.
