Actually insurance isn't on my name, so nothing will happen to me. If i hadn't signed a friendly agreement and the cops called the scene, what would happen is that when we went to court i would've been found guilty pretty quickly, seeing as how i committed a traffic transgression and made a turn left when i couldn't.
So the process would've dragged on, vacations would've been ruined for every party involved, and i would have to pay a fine for the traffic transgression and possibly, and this is a very real scenario, i would've my driving license suspended.
This way, we cut on the fat and time. I'm not that stupid
I would've gained 0 by not doing the friendly agreement in this case, would've only lost more really. And why was my GF in the car Joe Molotov? Because we were going to eat out. Not that it matters!?
I assume you were driving only slightly more reckless than normal if this was your first accident but how did such a big accident actually happen if you don't mind explaining it.
It's probably a bad idea also to agree or sign an agreement saying that it's your fault. Best course of action is often to not get insurance involved because your rate's going to get jacked up.
Light goes green, i have to go forward, but she told me to go left and i didn't notice the signs so i went left and was more concerned for the cars possibly coming through the left of me, not noticing the car that came out of nowhere from my right when i made the turn.
In this case, given the traffic transgression, and full accountability of the accident, it was the best course of action.
We signed a friendly agreement, i'm the one who fucked up.
You have nothing to gain by doing this.
What I'm trying to say. Damn dude, you may have set yourself up for a ton of liability here, and your insurance company may just say "you did WHAT? Eh fuck that, we don't cover personal agreements, its coming out of your pocket now."
I don't know where the hell you live, but over here when you have insurance against all risks...it doesn't work that way
