Honesty and responsibility. Why are these the topic of an insurance Blog? Mainly, because we see the circumstances that arise when people are not responsible, like when someone backs into your car and leaves the scene without leaving a note. We also see when people are not honest. This happens when people cause an accident, accept fault at the scene, and then change their story.
Not to be too preachy, but we, as a society, no longer seem to worry about the consequences of our actions. There are too few times when people are accountable to themselves, much less to others. Why? That is a question to be answered by people much smarter than me.
My suggestions? If you see an accident, stop and give your name as a witness. I know it takes time. Maybe it takes time you do not have, but how would you want others to react if you needed their assistance? If you see someone back into a car and get ready to leave, get a photo of their license plate and leave a note yourself.
No one wants to pay more for their insurance. If you are responsible for the damage, be honest. Be responsible. Maybe even consider the Golden Rule, “Do unto others as you would have done to you.”