Do you feel safe calling 911?

[True Dough]

13. I respect your decision

but are you confident things are going to work out in your favor? I was hit by another driver in a minor accident. She admitted fault at the scene and fortunately she sent me a text message with her name and "the lady who hit you" as part of it. We didn't involve the police. But the relatively minor cosmetic damage was resulting in body shop estimates around $3,000.

When I presented three estimates to her, she texted me again later and said her neighbor is a backyard mechanic who does quality body work and he could fix the damage for much less. I said thanks, but no thanks.

As the weeks went by, she changed her story and denied that she caused the accident. I told my insurance agent that I would send the text messages as proof. The insurance agent, much to my surprise, said text messages are meaningless to them. I insisted on talking to someone at a managerial level. A few days later another agent called me back and invited me to forward the text messages. I did. The issue was then resolved within 24 hours. No fault for me. It was a relief, but shouldn't have been such an ordeal.