I was in a pretty bad car accident ( Edited to add Update)

[wnylib]

138. I'm betting that the insurance companies will

call the cop who wrote the report to ask any questions that they have.

The cops here draw a diagram on the report, indicating where each car was before the accident and afterward. From that info, they can usually see who hit whom, estimate the speed, assess whether a traffic sign or stoplight or any other traffic law was violated, and ask the drivers to tell what happened. If one of them says something that does not match with the amount of damage and position of the cars, that person is usually the one who caused the accident.

I'm surprised that the cop did not assign any blame or responsibility.

My accident occurred in an intersection. The traffic light was in my favor, so I pulled into the intersection. The truck came out of nowhere at 50+ mph, ran the red light, and slammed into me. The driver was cited for speeding, running a red light, and driving recklessly.

I had one other accident several years earlier than that one, a fender bender in a parking lot. I was backing out of a parking spot at a corner convenience store when another driver entered the lot from another street, turned a bend to the front of the store, and hit my car. He tried to tell the investigating cop that it was my fault because I backed into his path. The cop said that the other driver was at fault because I had started out of my parking spot and the other driver came on the scene after that. Therefore, I had the right of way. He fined the other driver.

Cops around here always assume that one of the drivers is at fault unless there are extenuating circumstances that neither driver could anticipate or avoid.