yeah, i was in a "no fault" accident myself couple years back.... dirt road, sharp curve, couldn't at all see around the curve and there isn't enough room to get two cars through.... well me and some other kid knocked our fenders up... both cars were driveable.. just banged up a bit....

well the kid goes to call the cops, wouldn't let me call them from my cell phone... come to find out and actual officer had let him borrow the car for some time.... and well.. they tried to pin it on me.. even though it was no fault.. the officer that owned the car was the one who came out and filed the report.. try to tell me he's not gonna be biased.... the kid didn't even have proof of insurance, which if i'm not mistaken u can get a ticket just for that...

my insurance company called me a couple times, recorded my story, my passengers story..... thing got dropped in a hurry... lol.. my insurance was like... the owner of the car was a cop, and he actually filed the report!?!?! lol that's not gonna fly...