Got hit by a car that was BACKING UP to escape its own crash — now I'm somehow at fault?

Oh wow, the police report being wrong is SO much more common than people realize. Mine had the wrong sequence of events too and I spent weeks trying to get it corrected. The supplemental note your officer wrote is actually really valuable — that's him basically saying 'I got it wrong the first time.' Hang onto every version of that report.

The adjuster is absolutely using the original report language as cover. They know it's messy and they're betting you'll either give up or accept a lowball offer just to be done with it. Do NOT give them a recorded statement without understanding exactly what they're trying to establish. That 'murky situation' framing is a tactic.

I used to work claims and I'll be honest with you — when there's a supplemental report that contradicts the original, adjusters are trained to see which version helps their insured more and lean into it. The fact that the officer admitted he assumed the sequence without actually seeing it? That's significant. Get that supplemental in writing if you don't already have a physical copy, and document everything about your injuries with dates and providers. Gaps in medical care hurt you later.

A few practical things: First, request the full report packet including all supplements and any dispatch logs — sometimes there's timestamped radio traffic that can help establish the sequence. Second, if there were any other drivers, pedestrians, or bystanders nearby, even a statement from one witness can shift the whole picture. Third, your urgent care visits are medical records — make sure you're keeping an itemized list of every appointment and what it's costing you, including any time off work.

Not legal advice, but this is exactly the kind of scenario where a free consultation with a PI attorney is worth your time. A fact pattern where a third vehicle backs into you while you're stationary — and the officer's own supplemental admits he didn't witness it — is not a hopeless situation. Most attorneys will tell you quickly whether it's worth pursuing. Don't sit on it too long though; there are deadlines.

Please don't ignore the neck stiffness. I know it's easy to push through it when you're stressed about the insurance stuff, but soft tissue injuries from whiplash can get significantly worse if they're not properly evaluated and treated early. Urgent care is a start, but if you haven't seen your primary care doc or gotten a referral to PT, do that soon. And keep a simple daily log of your symptoms — pain level, what activities it affects. That kind of record matters more than people think.

This sounds so incredibly stressful, I'm sorry you're going through it. You were just driving normally and ended up getting hit by someone else's mess and now YOU'RE the one fighting for yourself? That's infuriating. Please don't just let the insurance company wear you down.

Stop talking to her insurance directly. You're not required to negotiate with the other person's carrier on your own. Get a PI lawyer on the phone — most do free consults and work on contingency, meaning you don't pay unless they recover something. You have a stationary car, documented damage, medical visits, and an officer who put in writing that he assumed the sequence wrong. That's not nothing.