I just want to vent. I was in a car accident Jan. 16th of this year. It was not bad at all. In fact, calling it a car accident is even too generous. It was a bumper to bumper at 5 miles per hour. It was a very foggy morning. I was on my way to campus driving my families Mercedes when the women in front of me abruptly stopped in stop and go traffic. I was inching forward and bumped into her. Yes it was my stupidity that I hit her, but I only hit the towing extention on her HUGE SUV!! It hit my light, shattered the glass and dented the front of the car very slightly. A police officer was a few cars behind me- and stopped at the scene. He asked us if we were all okay. We were. The women even made a comment that should would have never known I had hit her if it wasn't for the sound of shattering glass.. or something like that. We pulled into a parking lot- exchanged information and we were on our way. Let me set the scene for you a LITTLE better.... small sports car.. hits a HUGE SUV inching along....= NO DAMAGE WHATSOEVER!!!! She only had some glass on her car. THAT WAS IT. The police man examined the scene, as I said, and sent us on our way. There was no reason for reporting the accident he said..... March 23rd......2 months later: I get a phone call from my insurance agent. The women is making a claim. Not even that- SHE HAS HIRED AN ATTORNEY!!! She is claiming I hit her going more than 45 miles per hour, that I totaled her car, and that she suffered from whipblash along with a pulled neck and an injury to her spinal cord. .....WTF!?!?! Are you serious!?! The problem- they have no way to disprove it. It is my word against hers. You could obviously tell by the damage to my car that I did NOT hit her going 45 miles per hour.. that I did not even total my car- how could I have totalled a huge SUV... So my question to you is this- why are people allowed to get away with this? My insurance has to pay her money. Probably not the amount she is asking, but because I hit her they are required to. Now- I am women enough to admit when I am wrong. I am women enough to say- "wow, i must have hurt her worst than I thought. Give her the money and Ill pay the extra for insurance.' HOWEVER- I KNOOOOWWW none of this happened. my insurance is going to fight it, but the women is very persistant. Supposidly im going to be taken to court if there isn't a settlement........ any thoughts?