‘Get your story straight’: Man backs into stranger's car while texting and driving, claims to the insurance company that he wasn't even in the car, leading to a pursuit of evidence

Author image for Bar Mor Hazut
Bar Mor Hazut • Senior Editor
Jun 26, 2024 6:00 PM EDT

We might not like to acknowledge this, but as grownups, we sometimes have to own up to our own mistakes. Being an adult means that we can't just ignore our mistakes, hoping that they will go away on their own, and we definitely cannot lie and try to drop them on other people. 

Unfortunately, a lot of adults try to back out of their mistakes when it comes to everything that happens on the road – breaking the rules, road rage, and even hitting other cars, all of these make the road feel like a giant playground for adults, and an extremely dangerous one.

The person in this Reddit story can attest to how childish people can be on the road. OP's (original poster) car was hit from behind by a person who was apparently texting and driving. After talking to the police and giving a statement, that person tried to lie to the insurance company, with the claim that he wasn't even in the car when the collision happened. Definitely not how a grown person should behave. Now, OP is forced to come up with evidence for the insurance company to support what actually happened and disprove all the lies that have been told.

Scroll down to read the full story. Up next, click here for a story of a job candidate who walked out of their interview.

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  • 01
    "He's trying to lie to the insurance company"
    via Canva
  • 02
    Guy backed into the back of my car while at a red light told the insurance company he wasn't even in the car.
    via u/MrKoreanSkills
  • 03
    Waiting at a red light when I feel my new car get hit. Proceeds to say "where did you even come from, I couldn't see you" I drove a bright red Audi. Kinda hard to miss me. Tells the police officer
    via u/MrKoreanSkills
  • 04
    when they arrive on site. "I was on public property when the collision occurred I was not in the street" the police officer comes over to me looks at my car and says to the other guy "you couldn't see this
    via u/MrKoreanSkills
  • 05
    bright red car?" The other guy "I wasn't in the street, I was on private property". The police reports made and I send it over to my insurance agent. They just informed me that the guy who hit
    via u/MrKoreanSkills
  • 06
    me is now disputing the police report. Because "I wasn't even in the car when the collision occurred" now I'm stuck in limbo while the insurance agent tries to get statements from the owner of
    via u/MrKoreanSkills
  • 07
    the restaurant that the guy was leaving at who saw him texting on his phone while he was backing out of the parking lot.
    via u/MrKoreanSkills
  • 08
    UPDATE The man who hit my car is now demanding the police body cam footage claiming the police report has been falsified and the police officer lied on the report as a personal attack...
    via u/MrKoreanSkills
  • 09
    Odd_Self2657 · 14 hr. ago Believe it or not, incredibly there are people who NEVER look in their rear view mirror - not even when backing up. Very scary. These people should not be driving.
    via u/Odd_Self2657
  • 10
    MrKoreanSkills OP 14 hr. ago • He has a back up camera too. He was in a 2024 Ford. The owner of the restaurant came out and told me he was texting
    via u/MrKoreanSkills
  • 11
    whatupmyknitta · 14 hr. ago Ask if the restaurant has security cameras facing the road
    via u/whatupmyknitta
  • 12
    MrKoreanSkills OP. 10 hr. ago They don't. They have fake cameras to deter things we live in a very affluent area haha
    via u/MrKoreanSkills
  • 13
    MLiOne 12 hr. ago • You have a witness. Go get his details, explain the situation and give that to your insurance company. Problem solved.
    via u/MLiOne
  • 14
    BlizurdWizerd · 16 hr. ago GREEN Dash cams, man. $300-$400 saves you thousands in the end. Better to have them and not need them, than need them and not have them.
    via u/BlizurdWizerd
  • 15
    No-Background-4767 · 16 hr. ago Would that help in this situation which sounds like they got hit on the side?
    via u/No-Background-4767
  • 16
    MrKoreanSkills OP · 16 hr. ago Hit from the back right. It would have it could have proved that I wasn't moving. I had one in my old car. I'm waiting for the new mount since the old one broke removing it from my old car.
    via u/MrKoreanSkills
  • 17
    RoadsideCarver · 15 hr. ago • That is learned behavior. That guy has been lying his entire life.
    via u/RoadsideCarver
  • 18
    waltthedog. 16 hr. ago If no dash cam, at least take pictures of the other car and driver.
    via u/waltthedog
  • 19
    MrKoreanSkills OP 16 hr. ago • I did this happened two weeks ago. I gave everything to the insurance agent. Lucky enough he also has the same insurance company but has been b g
    via u/MrKoreanSkills
  • 20
    to them that he wasn't in the car and that they can't process anything yet because he's going to be fighting with the police in the town that it happened for lying on the official report.
    via u/MrKoreanSkills
  • 21
    colbymg 15 hr. ago So his story is that he wasn't in the car, that he got out while it was moving and rolled into you? How is that any better for him?
    via u/colbymg
  • 22
    MrKoreanSkills OP 15 hr. ago • According to what my agent said. When they contacted him. He said he wasn't involved. That he wasn't in the car when the collision occurred and the car wasn't in motion.
    via u/MrKoreanSkills
  • 23
    Marrsvolta · 13 hr. ago Since you have the same insurance agency as him, they are probably going to drop him once they confirm he is lying.
    via u/Marrsvolta
  • 24
    moonchic333 · 15 hr. ago • This exact thing happened to me and luckily I was in front of a business that had cameras. I also took a picture of the person's who hit me ID. She completely ignored the
    via u/moonchic333
  • 25
    insurance company. If it weren't for the video I was able to obtain and my photo of her holding her ID I would have d. been s
    via u/moonchic333
  • 26
    SubstantialBass9524 15 hr. ago • I had someone back up into me in a parking lot years ago - no dashcam. She didn't want to call the police but I took a video and filed with her insurance - skipped mine - of her saying she was 100% at fault.
    via u/SubstantialBass9524
  • 27
    Lol! She tried to get me to lie to insurance about who was driving the car and I was like mhmm no. Then insurance was like “that's not what she said" "well here's a video of her saying she's at fault”
    via u/SubstantialBass9524
  • 28
    “Oh we can't accept that because her mom said she didn't mean it" ?!?!? Her mom wasn't there and she's over 18, Shockingly they found out it was her fault
    via u/SubstantialBass9524

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insurance road drama accident dispute lying cars reddit story car accident mildly infuriating entitled Reddit car insurance weird entitled people
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