To avoid starting a new thread...
I tried passing a garbage truck in Lakewood on a two way street. A car was coming towards me so I stopped, and the garbage truck hit my car, causing some damage to a door, but no damage to the garbage truck. The cop who came to file a report said I am at fault because I was on the wrong side of the street, but the report clearly says that I was not moving at the time of the accident, and the truck crashed into my car.
Does it pay to file a claim? The municipality is self-insured.
Is there any chance that my rates will go up if I make a claim?