OT: Scared by a phone call
This is a long story, but on June 13, just 5 days after my surgery, my DH and I travelled back to MD to make it to a support group meeting. (We live in DE) I was weak and sore, but we were early, so stopped at a gas station to vacuum out my new vehicle! As we were pulling out of the gas station, we stopped for traffic and then were bumped from behind. We both got out, and a man had hit us, but since I have a tow hitch, there was no damage at all to my vehicle, and minimal to his.. bent up his license plate and cracked his front bumper. I though it odd that he remarked "hope you have insurance to cover this", but when asked, my husband gave him all of our information, name, ins, etc.... when we asked for his... he refused. Would not give us anything. We then suggested that the police be called and again, he refused... so believing he was uninsured and didn't want the ticket for it, we left.
Well, yesterday, August 2nd, our ins co calls and says the guy called in a claim that day (7 weeks after the incident!!) saying we backed into him!! I laughed!! My DH and I told the girl what happened.. especially about the ins stuff and she said the claim would be denied.
No issue, right??? Well, this morning the phone rings, and it's this guy!!! He told me who he was and started yelling at me! I told him he would have to discuss this with the insurance company, and he began yelling again so I hung up. He called back and left a message that he wanted to talk to my DH, the lying cheat that backed into him and now doesn't remember it!!! He was very angry and threatening sounding. I am shaking like a leaf, and the scary part is that this guy has our information, and address!! I called and told my DH, and he is calling the ins co to let them know what is going on.
It really has me shaken!! I have to go back to MD tomorrow for a Dr. appt.... alone, and it really makes me nervous, though I know there is no way I will run into him... it's still scary!!!
Just needed to vent and get it out of my system.. thanks guys, for letting me bend an ear...
{{{{Blanche}}}} This guy is a coward!!!! He's trying to bully you guys...I'm sure he's not going to show himself in person. ..and I'll be here in Maryland waiting for you! 
Your DH will take care of you...and if you have caller ID you can just not answer the phone when he calls. In fact - if you have threatening messages from him, you can call the phone company and have his number blocked.
Call me tonight if you want to talk!!!
Your DH will take care of you...and if you have caller ID you can just not answer the phone when he calls. In fact - if you have threatening messages from him, you can call the phone company and have his number blocked.
Call me tonight if you want to talk!!! 
I normally dont recommend people take too much stock into other people's irrational behavior... but should this type of harrassment continue... do consider notifying the police.
the best way to prevent any unwanted situations is to be pro-active.
It sounds like the insurance company would have his contact information should the police need it. And definately try to save those messages he leaves... it also might help should something happen with the insurance claim and it needs to go to court or a mediator!
Hi, PLEASE call the police....my sister had a similar experience....the police and insurance companies were both very supportive of her situation...the police had a "chat" with the guy....the first telephone chat didn't straighten him out so the police made a housecall...when he didn't take the attitude adjustment well, he ended up being arrested and charged with numerous counts...not only was my sisters insurance NOT charged, his insurance company called and offered my sister a several thousand dollar settlement which she turned down because she didn't have any damage to her vehicle....about 2 months later, a VP of the company called her back and said that he was sending the check for all the trouble their client caused...and not to worry because he was no longer their client...
please call the police...he has filed a false claim and he is harrassing you....
RAE
1. Whenever this guy calls, refer him to the insurance company and tell
him not to call your house again. Your respective insurance companies
will deal with the legalities of the claim. You could also refer him to
YOUR lawyer.
2. After you quickly get off the phone with him, notify the police and
file a report. Every time.
3. Notify the insurance company each time he calls.
4. Document the dates, times, and details from each call.
5. Notify the telephone company if he has called you three times or more.
You need to take whatever steps necessary to protect yourself. Obviously, this person is "shady" to say the least. It speaks volumes about his character that he would not want to give you any of his information or contact the police at the scene. That alone is one BIG red flag. Another thing, is that he does not seem to understand or grasp the way insurance and claims work. Typical of someone who doesn't carry insurance. His behavior (calling you) is that of a "street" person. He thinks he can harrass you and bully you into paying him some cash (which he probably REALLY needs) out of your pocket. He is scamming you.
Stick to your guns. Insurance companies are great if you communicate throughout the process. We once had a dealing with a car full of "shady" people. I was standing on the sidewalk and my hubby was backing out of a parking space....I was watching him leave. The car full of shady people pulled into the parking lot, slowed down (seeing him back out of the parking space) then FLOORED it to get behind him! Right in front of me. They actually slammed their brakes on when they got behind him and left rubber on the parking lot. They all had fake injuries and did the rehabilitation thing....even claimed that they couldn't work. (We saw one of them working in a deli slicing meat ... but she claimed she had no use of her arm). The insurance adjuster met us in the parking lot and recorded every detail of our statement and took pictures of the rubber marks in the parking lot. They denied their claim.
Another benefit of having police involvement or attorney involvement is that if this creep is driving without insurance in Maryland....his claim is out the window and he may even be charged for his crime should you end up in court. (and he would probably be liable for all the court costs)
One last thing, that I hate to bring up, but you just never know these days.... If this guy decides to drive to deleware and commit a further crime, your documentation of his harrassment (and police reports/phone records, etc) would lead the police right to him.
I'm sorry you are having to go through this.
((hugs))
Pam
Some free legal advice:
(a) everyone should carry in their car a pad of paper, flashlight, and disposable camera. If you are in an accident take pictures of the accident and the other person's car. Even if the other person refuses to call the police, and right away write down a physical description of the driver, the tag, and anything else you can (first name, what the person said about who was at fault).
(b) do not give the person your information unless they agree to give you theirs. Don't just let them write it down for you. Ask to SEE their license and registration and insurance card - write down all the information. Also write down the license plate number, make of car, and color, and year if you can guess.
(c) if you have any doubt about the other person's honesty CALL THE POLICE ! In some places they won't come unless you say someone is injured so if they ask if anyone is injured, say you're not sure.
-- specific advice for this situation
(1) tell your insurance company that the guy is harassing you
(2) call the police and tell them he is harassing you. Give them his phone number from your caller ID if you can.
(3) if he calls again block his phone number if you can (some phone companies offer that feature)
(4) if he calls again tell him you will report him to the police, and the phone company.
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