Three months ago, I was driving to work on my incredibly long and greuling four block commute, in which I pass through an intersection with a flashing traffic signal. You know, the one that flashes yellow one way and red the other. It's a known dangerous intersection with far too many accidents. Needless to say, 7:03 am on May 2nd I was running late like I always am (not a big deal because the store is still being opened at this time) It had been raining the night before and the ground was still wet. I continued through this yellow signal at 22 mph as I always do, just in case. And suddenly from my left, I noticed a large white pickup truck coming right for me. I quickly realized the only thing I could do to avoid being hit was swerve and stomp the gas and hopefully just get by. My automatic transmission decided to shift right there and I went nowhere as the F-350 slammed on the brakes and started to slide towards me. Getting Bambi eyes now realizing I'm going to be hit, and I just hold on. *THUD* as he only hit me at a really low speed, I look at him like "what were you doing?" and pulled my car to the side of the road out of the intersection. He did the same, and we both got out. He apologized immediately, saying he wasn't paying attention, didn't see me, and admitted fault. He wanted to make sure I was okay, and then called the police who quickly arrived. The officer took our reports which both said that he wasn't paying attention and drove into the side of me, and the officer left the scene realizing we could both drive away. The Ford pickup had no damage. The tow hooks on the front of his truck tore into the side of my El Camino, the front driver side Fender and driver side door. But the kicker: he was driving a Borough vehicle when he hit me. I got an estimate and submitted it to his insurance company along with a copy of the police report stating that he admitted to inattentiveness. Needless to say, I get a letter citing NJ law that state that as borough employee, driving a borough vehicle, the borough, being a public entity, does not have to pay without submitting to MY insurance first. I don't carry collision coverage because the book value of my El Camino is surprisingly low. Collision coverage just isn't worth it to carry. Regardless, I call their insurance, who want to talk to my mother (the legal owner of my vehicle... I've owned it since right before my 17th birthday when I cannot legally register or insure my own vehicle in NJ) and we haven't transferred ownership yet. My mother calls, and they want to speak to the driver (me). I call back and they want to speak to the owner again. I'm starting to get the feeling I'm getting the runaround. It turns out, that they simply want me to file with my insurance first because of NJ law stating that they don't need to pay otherwise. I call my insurance, who once again want to speak to the owner. My mother calls, get the info, but then they want to speak to me again to confirm the story. This finally gets the ball rolling for them to send me a letter saying I don't carry collision. I forwarded this letter to their insurance company, and only today... 11 weeks later did I get a call from their insurance company stating that they'll examine my car on Thursday for damages. In the last 3 months, the car has been rusting because I cannot afford to fix it. I didn't expect to get this sort of runaround from their insurance company. Just rediculous. In retrospect: three good things came of it. 1) The borough employee who hit me and I have become friendly. We end up eating at the same places, both working in town. 2) I wasn't riding my Harley. I would've broken, or worse, lost my leg if I were hit. 3) I didn't spill my Red Bull. Those make a mess. It's just rediculous that it took this long, but it's finally starting to work out. As soon as this is over, my mother is transferring ownership of the car, and I'm moving the car's insurance to my motorcycle insurance plan. It'll be a few bucks more, but hopefully Progressive Direct is a bit easier to work with.