I just hate talking on the phone.

So I called the guy who hit me and told him there was more damage than I thought, and asked if he wanted to come see. He said no, he hit me, he didn't need to see. He said he would call his insurance company and file, and I said I would, too. He gave me more of his info (address, insurance policy #, license plate) and I called the insurance company.

Of course they asked if I had a police report and I said no, and they gave me a hassle about that. But I filed it and told them he hit me and all of that. They said that with no police report, they weren't sure about fault - that ticked me off because umm, I was totally stopped and all my damage is on the rear bumper. But whatever.

So I also found out that we apparently have rental car coverage on the Focus but not the Matrix. WTF? All I can imagine is that it was a mix-up but that could end up biting me in the ass if the repairs take a while. Grumble. And that apparently Jen is the primary policy holder so they wrote the claim as "owner not in vehicle." That kind of made me feel like a 16-year-old on Daddy's insurance.

Now I guess we just see what happens. Police won't issue a report because (duh) they weren't there. So take that, insurance phone answerer guy!