Some old timer smacked into my truck yesterday. He was turning left, stopped, and when I went straight he smacked right into the side of my truck. Its purely cosmetic damage, so I'm kind of thinking I could take the money and buy the tubing bender I want or some other tools I need. Anyway I've never been in an accident where I wasn't at fault. How does it work? I called my insurance company last night and submited a claim, not even sure if thats what I should have done. It wasn't a bad accident and the guy admitted it was his fault many many times, so we just exchanged addresses, numbers, and insurance info. Dad flipped out about that, but I had a train to catch that I was already running late for, and it was clearly his fault. Dad asked "what is to stop him from claiming it was your fault?" Me-"the fact that his front end hit my driver's door...."