Jay Middleton was moving his daughter out of college in suburban Philadelphia when her car rear-ended his. He told a policeman who was nearby of the minor fender-bender, obtained the officer's accident report and filed a claim with his insurance company.
No one was hurt and no traffic was stopped. Both cars in the accident -- Middleton's and his daughter's -- were able to drive off.
But a short time later, a bill arrived at Middleton's New Jersey home seeking nearly $300 for the cost of the...
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