Two accidents in one week and I've never even had a fender bender before — completely lost
I'm still kind of in shock writing this out. I've been driving for over a decade with a completely clean record and then suddenly the universe decides to throw two accidents at me within the same week. I don't even know where to start.
Incident #1: I was parked outside a grocery store and came back to find my rear bumper crumpled. Someone actually did the right thing and tucked a handwritten note under my wiper with their name and phone number. I was honestly relieved — I figured this would be straightforward. I called them, they said they'd already reported it to their insurer, and they gave me a claim number and an adjuster's name. That was five days ago. I've called and left three voicemails. Nothing. Radio silence.
Incident #2: This one's worse. A few days later I'm merging onto a surface road and someone clips the front corner of my car pretty hard. I gesture to pull over, he sort of waves back like he agrees — and then just... disappears into traffic. I circled back, waited, filed a police report. No plate number because I panicked. No dashcam. Trust me, I know.
So now I've got one claim stuck in limbo waiting on someone else's adjuster, and a hit-and-run where I might be on the hook through my own uninsured motorist coverage — if I even have it. I honestly don't know what's in my policy.
Do I call my own insurance now for both of these? Will opening claims spike my rates even if neither was my fault? Does the police report help at all for the hit-and-run? Any advice from people who've been through something like this would mean a lot right now.