Re: Accident today at boat ramp!
I definitely see it as the other driver's fault. The fact that he passed on the left, and you were in the left-hand lane, kinda disputes the "he though you were pulling out" theory, because, unless you're in Europe, you would've been on the wrong side of the road, hence he was too. And I disagree about the "no insurance claim because there's no police report" thing. Most insurance companies will process a claim based on two agreeing parties' statements. In other words, if the driver says, "Yeah it's my fault, here's my insurance". Then if the Ins. Co. calls their insured and he tells them the same thing, you have a claim and will receive repair/replace compensation. I must be missing something, because it all seems rather simple.
