[eric_h]

I'd be surprised if an insurance company would determine fault without a police report.

Fair enough on minimal accidents. As a very young driver (< 6 months experience - i was reading a paper map propped up on the steering wheel as I was waiting for a light/coasting to a stop; bad idea) many years ago I did have a very minimal accident (low speed bumper to bumper), with no visible damage, but I insisted we not involve the police/insurance and agreed I'd pay for everything. That cost me $800 bucks (which was more than a paycheck for me at the time, had to post date a check to her), because I think the lady I bumped into got had by a mechanic.

[florean]

> I'd be surprised if an insurance company would determine fault without a police report.

You haven't had to deal with an insurance company. I've dealt with at least five claims personally. None had a police report. A couple were well over 2k. It would be very easy for a company with Uber's resources to avoid an official report outside a regulatory requirement. If they paid whatever it cost for any driverless accident that didn't involve an injury, there would be no insurance claims, let alone police reports.

[toomuchtodo]

I've had too many problems with other drivers and accidents where they lie, bend the truth, whatever. Dash cams in all of our cars, and I always call the police for every accident to get an accident report.