People are funny. About 9 years ago I bought my very first new car. I only had the car for about 2-3 months when I got hit from behind. I was stopped at a stop sign for 30 seconds when I got hit. The young girl that hit me said she was reaching down becuase her cigarettes fell to the floor, that's why she hit me. The girl had insurance and I contacted me agent as well as her agent since I was completely not at fault. I only had minor damage to my car but I was really annoyed since it was my very first new car which was only 3 months old. I took pics of the damage and then paid for the repair myself.
The girl still didn't report the accident to her insurance company. I was very patient. Eventually I called the girl and told her very politely that I paid for the reapir myself and all she had to do was report the incident so I could be reimbursed from her insurance. Her response to me was "you shouldn't have paid to fix your car!" I told her the car was only 2 months old and that I didn't want to look at that damage on a car with less then 400 miles on it. She hung up on me. A few days later I went to file in small claims. She received a certified letter in the mail from the local court a few days later and a few days after that I had a check in my hand from her insurance company for the reimbursement. lol