Great. I've been here for 20.

I've seen a lot of bad road behavior here in Columbia in this "post pandemic" world. People drive the way they want without consequence, and I've seen a lot of egregious driving in broad daylight, so something like this late at night would not surprise me, given how Columbia is today.

And given OP's engagement in the thread, it would seem to indicate that they want productive feedback. Which your comment absolutely was not.

I’ve lived in Columbia for 35 years, incl. 20 as a journalist. Not saying it didn’t happen. Just that I’ve never even heard of a drawn-gun road rage incident.

Sorry, but the more I read through the story, the more skeptical I became. Given that, all I said was to expect some skepticism.

And if OP is telling the story exactly as it happened, def. push to get the intersection footage.

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David, sometimes it's better not to even reply. Not sure why you wasted the energy to type that, as OP was asking a legit question

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They deliver to your house!

Yes, the company I work for has vehicles that some employees are allowed to also take them to and from work. As long as OP is an employee, the insurance should cover him.

Gorman Farms. (https://gormanfarmscsa.com). We’ve been going with them since 2019. They’ve got a good variety and have some “pick your own herbs/flowers/snacking peppers/cherry tomatoes from the garden next to the barn at pick up.

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I used Breezy Willow Farms for years and was very happy with them. My pick up site was HCC, but they had other locations as well.

Don’t lie. I’m not an expert, but some personal use (like driving home from work) is usually covered in commercial policies. If it’s not, then you’re unfortunately out of luck, but consequences will amount to having to figure out another way to pay for repairs/replacement car. Consequences of lying to an insurance company are being denied any auto insurance in the future, getting fines, and facing criminal charges. Do not lie— no matter how small it seems.

would it be unreasonable to lie and say that I was doing a delivery for the business or going grocery shopping for the business? even though it isn’t mentioned on the police report

I used to live across from the Popeye's in an apartment complex off Moravia Road back when this happened. I haven't eaten there since. And I was pissed when they opened the one in Centre Park because of all the parking spaces they took away from the Giant.

https://www.wbaltv.com/article/popeye-s-draws-scrutiny-after-man-finds-mouse-in-chicken/7042914

Commercial just means for businesses. If it’s not commercial, then it would be personal, and you should still be covered as long as your mom gave you permission to drive the car. Idk how the insurance will view the circumstances, but bottom line is that it shouldn’t make a difference that you were the one driving.

Thank you so much, we’re going to file tomorrow and see what happens. As far as the subpoena they said it was for the red light cameras as we were on the highway. One of my coworkers who was behind me said the guy continued on to 175 so i’m not sure where he ended up or where he came from. We never passed any local businesses but I doubt the red light cameras will be enough as the cops told me they were awful for getting plates.

Also, what I understand is you’re saying i should file a new report that i was threatened with a weapon? However, I believe it was added on to the original report from last night at the scene.

So this is really two issues, the insurance piece and the madman with a gun piece:

Insurance: IDK what kind of insurance policy your mom chose to have on the car, but the fact that you were driving it in general would not negate the policy. So file the insurance claim, provide the police report, and see how it shakes out. Since the other driver did not make physical contact with your car, I would bet on it being ruled a single-car at-fault accident on your part. r/legaladvice can give more thoughts on this part. Sucks, but that is not the end of the world, and is literally what insurance is for (insurance will still cover at-fault accidents, but your mom's rates might go up). Even if police do find the other driver, I wouldn't exactly count on someone that dumb having the forethought to get his own insurance anyway, so it's likely that your insurance will be the one footing the bill regardless of the at-fault finding.

Onto the madman with a gun piece: If this happened as described, then please do your part to get this guy off the streets. So make sure there are TWO police reports filed, 1 for the accident and 2 for the threatening with weapon. When the police say they need a subpoena to get the cameras, do they mean redlight cameras, or surveillance cams from local businesses? It might be worth going to the local businesses you passed, explaining what happened, and asking if any of them are willing to share their footage with police.

It's not OK that this happened, and I hope they find the guy.

?

Thank you, i’m just not sure if it’s a commercial policy because my mom just switched to a new insurance company. If not idk what steps to take

Not sure how insurance will determine whether the damage is covered or not, but if you’re an employee of the company that the vehicle was insured under, then it shouldn’t matter that you were the driver and not your mom—car insurance covers cars, not drivers, and generally any employees driving a car insured under a commercial policy are covered drivers.

Sorry this happened— sounds like it was a really scary situation and now you’ve got this headache. I hope the insurance can give you some good news.

Will preface this by saying that I don’t know you. So, your personal level of character isn’t available to me to either buttress or impugn your story.

All I would say, having read the story on its own, is to anticipate some skepticism.

I live near there and eat it all the time. One of the best Popeyes places I have been to.

THANK YOU EVERYONE FOR THIS!!! I'll be trying most of these places out in the future!

one sentence reads as a paragraph to you, that's great.

Couldn't happen to a better person.

When you number things out, yes you sound like a smartass, so please feel free to block me as I could hardly give a shit right now as I throw up and shit away on the toilet seat.