The bitch actually just wanted to 'exchange info' and go on their way. The wife insisted no, and called the police instead. The worst part was waiting for the cop, that took almost 45 minutes because it was a Saturday night, so they were already busy with normal weekend night issues. When the wife first talked to the stupid bitch, she was trying to claim it wasn't her fault because she "had her blinker on" and somehow that gives her the right of way to pull into oncoming traffic from a side street with a stop sign onto a street with no stop sign?
Then after her husband showed up (and I'm guessing he told her to say this), suddenly her story was that my wife was driving with no headlights.
The wife's vehicle, if it's on, ALWAYS has the fucking headlights on, day or night, it's automatic. Luckily, the cop knew that because his wife has the same vehicle. We were cut loose pretty quickly, so I don't know what happened to the bitch, but at the minimum I'm guessing that she got a ticket for the accident plus driving without insurance. The cop was still dealing with her when we were leaving. All the cop wanted from us was the wife's license, registration, and proof of insurance. He asked her side of the story (he got the bitch's version first), and after talking to the wife, he said he was going to go get the bitch's info to give us and then we could go, so pretty sure the cop knew she was a stupid fucking bitch. Unfortunately the cop said it will be several days before his report will be available online to us. I definitely want to see what she got written up for.
Even if the bitch would have had valid insurance, I think we would have an uphill battle. The "proof of insurance" she gave the cop was 2 months expired and was issued by one of those "we insure anyone" insurance brokers that I've never heard of before and the company that issued the expired policy was some insurance company I have never heard of before. So I'm guessing that even if the insurance was valid, it was the absolute state minimum for coverage, which is ridiculously low considering how much it costs to get cars fixed anymore. Luckily we have good insurance with high coverages and it's through State Farm. And so far, they've been awesome. They already called the wife yesterday morning after she submitted the accident claim through the app early yesterday.
Here's the pix I took when I got there after the wife called me:
The sheet metal from the fender was REALLY close to the tire, so I was worried that if she tried to drive it and had to make a turn it would cut the tire down. Luckily I was able to pull the fender out enough so she could at least drive it home (the accident happened barely 1/4 mile from our house). But the fender was fucked up enough now that it interferes with the door, so you can't open the driver side door at all. They're supposed to send a tow truck today to take it to the body shop to get the estimate worked up and get the work started. We're not getting multiple estimates because we are just using one of State Farm's preferred body shops.