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If more accidents happen within 20 miles of home, one should house their car in a garage 20 miles away and take taxis for all shorter trips (including to get their car for the longer trip).
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Thanks for your reply. There was no injuries, just some scratches on my front bumper. I didn't think it was a big deal myself but then the reporting center handed me a claims number with my incident form. My insurance called me and I asked if they could close the claim as I didn't want one anyway. They said no and said weather I do the claim or not my premiums were going up so I should do the claim. So I said sure. About a month or so in, my adjuster told me to go get an estimate at a recommended shop so I did. The shop people were amazingly helpful; I asked so many questions, they even gave me my own quote so I could see their process. Then about a month later my adjuster tells me he had not heard from the shop so he contacts them and then tells me he sees the estimate but that it wasn't complete. But it was complete as the part he said was missing, the shop did as I was there and watched them do it. So I told him, in a very polite way to get his sh*t together, fix it, and let me know next steps and I'm still waiting. (Pardon my language I was a little frustrated by this point as I know I did what was expected of me.) I figure I'll hear back at some point. I've used a little touch up paint last summer so it doesn't look so bad and my bumper only pops out a little bit if I go over a big bump. Easy to push back in place when I get out of my car after a drive. I check my e-mail once a day to make sure I don't miss anything from him.Fed Up is right. Statistically speaking, the most predictive indicator of future crashes is past crashes. A less predictive indicator is night-time driving so if you cut down on predawn driving you will cut down on your risk. With your claim, it is highly unusual to have an auto claim-- even one with injuries-- open this long.