Someone I know was involved in a car accident. The police report clearly shows that it was the other driver's fault (and the other driver got a ticket for failure to yield). Now the other driver's insurance company claims that since the police were not there at the exact time of the accident the report is invalid so they offer to pay only 90% of the damage (which is total BS) instead of 100%. We're talking about roughly $1800 of damage and 10% of that is no big deal. But I'm very upset at the games that the insurance companies play. Furthermore, why should this person pay 10% when she is not at fault? What would happen if she refuses to settle at 90%? What are her options and what would you do in this case? Take the 90% and forget about it? Tell the insurance company to f-off and sue the other driver in small claims court? or ??? Thanks!