I would probably have called the rental agency number listed your the rental contract for their expectations (probably will say you need a police report). You need to have a 24/7 number for your insurance company provider not just the local Michigan agent’s 9-5 er. In the end take pictures of the accident scene, pictures of license plate of other driver, their drivers license, etc. My 2 cents.
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I will say the things that others are probably thinking but afraid to say.
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