Its a minor bump and I can get it fixed quickly but I will have to pay for that out of my own money!! but nobody will ever know. Or I report it and take the chance they don't check my phone record at the recorded time of the accident as it shows me talking. My damn wife called me at the wrong time and told me about a problem that made me crash (she wants to divorce me and take the kids with her - I admit I have had 7 affairs in the past year but thats because of work stress and never knowing when you could be laid off) Do they usually check this? Anybody got experience with this type of situation and would they understand if I explained to them the emotional stress of my wife leaving me?