Finally figured out how car insurance works in no-fault states

Had something similar happen a few years back - rear-ended at low speed, looked like nothing at first glance. But the soreness kicked in days later, and suddenly I was buried in forms and doctor's visits. Learned quickly that documenting everything meticulously is your best defense in these no-fault states...

Yeah, totally agree about documenting everything. Had a buddy who got clipped at an intersection - didn't seem like much damage at first, but he ended up with alignment issues down the line. Insurance gave him a hard time since he didn't have photos from the scene. Even minor stuff can snowball later on, especially when you're dealing with all the paperwork and red tape in no-fault states... Better safe than sorry, right?

Had something similar happen a few years back - got rear-ended at a stoplight, seemed minor, just a scratched bumper. Didn't bother documenting much. Weeks later, trunk wouldn't latch properly...lesson learned the hard way, always snap pics even if it seems trivial.

"lesson learned the hard way, always snap pics even if it seems trivial."

Yeah, totally agree with this. Had a similar thing happen on a road trip - thought it was just a tiny dent, didn't wanna waste time dealing with insurance. Later found out the alignment was off...ended up costing way more. Now I snap pics of everything, lol.

Good point about taking pics - it really helps streamline the claims process. I'd also suggest jotting down quick notes on weather, road conditions, and traffic flow...details like that can really clarify things later if there's a dispute. Glad you're on top of it now.