Got rear-ended, other driver is flat-out lying to his insurance — what do I do?

I went through almost the exact same thing last year — rear-ended at a light and the other driver told his insurer I had reversed into him. It's infuriating. The thing that saved me was a dashcam clip from a random bystander who happened to be recording. Keep hunting for that footage, seriously. Even a partial angle can blow a false story apart.

His insurance company isn't on your side — ever. They will absolutely take the path of least resistance, and if that means accepting their policyholder's story to deny or reduce the claim, they'll do it. Don't give them a recorded statement without thinking hard about it first. Everything you say can be twisted. The police report is your best friend right now.

I used to work claims and I'll be real with you: adjusters are trained to look for any foothold to split liability, even when the facts are pretty one-sided. A police report showing unsafe following distance is significant — we couldn't just ignore that — but a conflicting statement from the insured would sometimes trigger a liability investigation that drags things out for weeks. Keep pushing for that camera footage. If you can get even one third-party piece of evidence, the adjuster's job gets a lot harder to drag out.

What he told his insurer that directly contradicts the police report and the physical evidence? That can absolutely be looked at as a material misrepresentation to the insurance company, which is a form of fraud. I'm not saying file a police report tomorrow, but it's worth documenting everything — screenshots, dates, who you spoke to and what they said. If you end up working with an attorney, that paper trail matters a lot.

Not legal advice, but: the police report noting unsafe following distance is meaningful documentation. The shifting story from the other driver — especially one this inconsistent with the physical scene — is something an attorney would likely find very useful. You may want a free consult just so you understand your options before his insurer pressures you into a lowball settlement or denial. Once you settle, that's usually it.

This sounds so exhausting, I'm sorry you're dealing with it. You did everything right — you stopped for traffic, the cop was literally there, and you have the report to prove it. The fact that this guy is out here changing his story is just wild. You're not alone in this, keep fighting it.

A few questions just so I understand the situation better: did you get a copy of the actual police report or just the exchange slip at the scene? And when you say his insurer is implying you're partially at fault — did they put that in writing, or was it just something a rep said on the phone? Those details could change what your next move should be.