My 18 yr old g'daughter was in an accident about a month ago that totaled her car(Jeep). Similar to T.C. but without the tragic circumstances. Was turning at an intersection and a woman ran a red light (speeding) and plowed into her. Thankfully no one was hurt, but the Jeep was a mess. Woman told the police that she wasn't speeding and didn't run the light. There was a witness who backed up my g'daughter's account...but I guess the cop didn't want to believe an 18 yr old and wrote it up as no fault or something like that. Hence the replacement/cost of her brand new Jeep would have been on my daughter and SIL. About 3 days later the police called my daughter and told her that a judge was sitting at the red light at the time....and for whatever reason had checked with the police, or looked up the police report, or something...and went to the police and told them exactly how it all happened.