Reporting Questions
In the fall of last year my daughter, a G2 driver, ran into the back of another driver on a Friday night while driving my car The right front corner of my car hit the rear left corner of the car in front. My daughter told me she was distracted by a friend playing with the sunroof - not a valid excuse in my books but there you have it.
My car suffered only an apparent broken headlight and a scuffed bumper cover. Car in front of my daughter suffered only what appeared to be scratches to its rear bumper cover. Both cars were drivable and no air bags deployed.
My daughter called me right after the accident and I drove to the accident location arriving 5 minutes after the collision. The driver of the car in front offered only his name, phone number, and my daughter took photos of his car and his licence plate. By the time I got to the scene, 5 minutes after the collision, the other driver had left saying he was in hurry.
My decision then was whether or not to report this collision to the police. Knowing that I have to report it if damage to both cars is apparently over $2K, if there is public property damage (there was none), or if anyone was hurt (nobody was hurt) I decided not to report the accident. I justified the non reporting with the excuse that the damage did not appear over $2K to me, and me not being in the body shop industry I could not know for sure how much the damage was. Clearly if there had been more visible damage than I had seen, I, being a reasonable person, would have concluded that there was more than $2K damage and would have reported the accident. Another contributing factor for non reporting was that there is more often that not an automatic charge of careless driving, a charge that should not always apply to a momentary lapse of attention and a charge that can often be reduced by talking to a prosecutor. But why take the chance of the charge not getting reduced? Just to be clear, if I truly thought a reasonable person would conclude much more damage than $2K I would have had my daughter report the accident and face whatever the consequences were.
I reported the accident to my insurance company the very next morning and arranged to have my car repaired. The final bill from the body shop was $4500. Replacement parts were front bumper cover, headlight assembly, front right fender and fender liner. My insurance company did not need a police report.
Now for the questions:
1. Once I had learned that the damage was well over $2K when I received the final receipt from the body shop should I have then reported the accident to police?
2. If my insurance company had wanted a police report and I reported the collision to the police immediately after learning of this, would the police have charged my daughter for failure to report given that we could articulate that we really didn't believe the damage was more than $2K and we were reporting the accident because we were asked to?
3. Why do police more often that not automatically charge with careless driving when they should well know that momentary lapses of attention don't necessarily warrant such a charge?