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Got rear-ended a little while ago. Fortunately not much damage, but the lady that hit me was trying to make me not call the cops, but I had to because I know the insurance company is going to want a report. She started crying about not being able to pay the fine and saying that if we settled then the insurance won't need a report. I called them anyway

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I shoulda played that card.
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LOL. it was in the crappy part of town too. I think their car was a rental (had the VIN sticker on the windows like what you see on Enterprise cars) and I wouldn't doubt that they would want to know what happened as well.

