My accident was fraud!
I spent about 1 hour on the phone with the insurance company. When I rear ended the guy, it was just him. He had no passengers. NOW, he is claiming that there was a passenger in his car the time of the accident and that they are BOTH injured (even though the guy said he was just fine). I reported that it was just him in the car and so did my friend (who was in the car with me the time of the accident). The lady I was talking to was VERY nice and was telling me all about fraud and how the MO of my accident is a VERY popular fraud scam. She will be forwarding it to the fraud dept. and they will be following up on this. I still get an at-fault letter in the mail, but she told me that if the investigation goes through (which it will) and they find that he is filing a fraud case. I will be cleared of everything, I wont be at fault, and he goes to jail. She said most likely this will happen because he showed all signs of a red flag fraud reporter. Also, when I called the police (when I found out he had no insurance) and I told him that they were on the way. He was eager to leave, which he ended up doing after about 15 min of waiting. Very suspicious!
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