[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.