Wow, I haven't had to deal with any of that sort of nonsense before. My last accident was caught on traffic cam (cameras over the lights on a major intersection), but now thinking I should get a dash cam one of these days that points front and back.
That last accident was me turning left on a major intersection (my green arrow light, 2 turning lanes, I was on the inner lane) and a car came barreling through the street I was turning into, clipped the rear corner of my car and kept going through the intersection. It was snowing, so yet again a car with bad tires on. I had my snow tires on so had I not had a slow poke SUV in front of me also turning, I could have sped up just slightly to avoid the hit. Oh well.
They kept sliding through the intersection, kept going and hit 2 more cars on the next intersection over. I reported it as a hit and run. So when police pulled the footage I got extremely lucky as they knew who hit me as she got stopped at the next intersection over. She hit 3 cars that night.
The only time I had a totally FUBAR experience was when both myself and the teenager who rear ended my car (bald tires again, like metal belts showing bald and wet road), had the same exact insurance company. They kept fighting me and I was like, hey I am your customer too, idiots. Then called my agent and said hey, you guys are screwing me over and he promptly dealt with it and everything got fixed.