It's the other vehicle's fault all the way. If any type of accident happens while a vehicle is backing up, it's the backer-upper's fault 100% every time. Vehicles that are reversing have no right of way over anyone else.

But... the other driver will need to admit it or you'll need to prove it. If the other driver insists that you rear-ended him, you've got a problem unless you can prove otherwise. Because in a rear-end collision, it's the rear-ending vehicle's fault every time. If the other guy claims he was rear-ended and you claim he backed into you, you'll need either video footage or an independent witness. Otherwise, the insurance companies will settle it as 50-50.

Insurance companies can and do dispute who is at fault for what in court, but only in major crashes with injury and/or death involved. It costs them $15,000 (minimum) each to go to trial, and they're not going to do that to settle an accident where the total damage is only a few thousand. They just gather statements from both drivers and each company accepts 50% liability on behalf of their clients. They're allowed to do that, it's written into the contract.

Let's hope the other guy's story matches yours.

Car on Craigslist? No title? Sounds like a scam.

I'd avoid this like the plague. Even if the deal was legit (which I doubt), you'd likely spend more getting a new title (so you could license, insure, and drive the thing) than what you spent on the car, making the "deal" you got a very expensive one.

Odds are, the car is stolen, and at best you will wind up getting it seized, and at worst, you could be facing possession of stolen property charges, which considering the value of a car, would be a felony.

First off, you have to be a resident of a state to transfer your license and registration to that state, so if you looking to change your registration to a state where you are not a resident, you can't.

If you are moving, then yes, you can do the needed transfers just as soon as you pay off the debt to your former state. No double they put a hold on your drivers license and registration which will be on the computer for your new state to see.

The person you crashed into should have informed your insurer that they have been involved in a crash with you (the policy holder). They should have explained the facts of the accident.

The police should have determined who was at fault for ticketing purposes. This means that the police should have been notified. Your insurance will take into account items such as the police report, driver and witness statements and physical evidence.

You need (or needed) the other person's contact information. They need to know that they needed to contact your insurance. Either one of you can contact the police. If this person doesn't cooperate in doing so, either the police or insurance will take this matter into their own hands.

Keep looking and keep walking. Use public transit or other.

You just don't realize how much money you are saving by NOT having a car. It is like having an expensive girl friend.

Insurance,depreciation, fuel costs, oil changes, brakes, tires, car washes, speeding tickets, parking tickets, auto repairs, is just naming a few.

You can use your direct accident benefits (medpay) coverage no problem, and yes it will affect your bodily injury settlement. I said it will affect it, not mess it up.

The effect will be this: You can only be paid compensation once. If you claim certain expenses and benefits through your own policy, they'll keep a detailed record of every little thing they paid for. That stuff will then be deducted from your settlement, because you've already been compensated for it. Nobody gets compensated twice for the same loss. So if you claim (just for example) medical expenses, rehab therapy and income replacement through your own policy, you can't claim that stuff as part of your bodily injury claim against the other guy.

You can still go after him for pain & suffering, loss of love and affection, and whatever else you and your lawyer can dream up, but you won't be paid for the stuff you already claimed previously.

You'd think that both parties having the same insurer would make a difference, but it doesn't. The procedure is the same no matter who insures who for what.