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You're describing the crash to your insurance company for the second time, and the rep asks the same question the officer asked at the scene: who had the right of way. You thought that was obvious. Now you're realizing your version and the other driver's version don't match, and neither of you has anything but your…

You booked the ride because you didn't want to drive after dinner, and now you're sitting on the curb watching the driver argue with the other car's occupant about who had the light. Your phone still has the trip open, fare and all, like the app doesn't know anything happened. You don't know if you're supposed…

You told the officer you felt fine at the scene, and you meant it. You know you were hit hard by the damage to your car, so you were as surprised as the officer at your own statement. When you wake up the next morning, you can't turn your head and have a pounding headache, and…

You're filling out your own insurance company's accident form, and you pause at the line asking who was at fault. You weren't. The other driver ran the stop sign, everyone at the scene saw it, but the claims rep on the phone tells you that doesn't matter yet, that your own policy pays first regardless. You…

The ambulance bill shows up first, sometimes before the bruises even fade. You stare at the number, wondering if your own insurance already covers it or if you are about to owe thousands of dollars for a crash you never asked for. Maybe you were driving through Cheektowaga or heading down Transit Road when another driver…