No insurance, no police, just $2k in damages for Frazee woman in fender bender

(Valley News Live) - If another driver backs into your car, you might assume insurance will take care of it. But what happens when police won't meet with you because you're on private property—and then the driver's insurance turns out to be false? A Whistleblower contacted us to find out what happens next.

The car dents on Desiree Halverson’s 2013 Toyota Corolla may not look so bad—but since the entire driver-side door would have to be replaced, she’s looking at a preliminary estimate of $2,107.90 in damages.

Halverson was at a family funeral in Moorhead on July 21, just sitting in her car with her grandmother.

"My car wasn't even running," she said.

She saw a van backing up toward her.

"Out went both hands, I told him, 'Stop!'...backed into my car, nudged it," Halverson said.

Halverson says she smelled alcohol on the driver's breath.

"And then once I got to the church,” she said, “I found out for sure that he was at the Moorhead Legion beforehand drinking."

The man asked her not to involve police, saying he’d have to show her his insurance another time.

"Being that he didn't have insurance, I called the police,” Halverson said. “I mean, it's over 2 grand in damage in my car."

But Moorhead police told her they couldn't make it there because it's private property.

"I wanted them to, I wanted a report made...in case the guy comes back and has no insurance, no nothing," Halverson said.

And that’s essentially what happened. When the man finally did come up with an insurance number through State Farm, the insurance company told Halverson that such insurance doesn’t exist.

"They sent me a letter saying the case is gonna have to be closed," Halverson said.

Valley News Live contacted the man who hit her, and while he wouldn't do an interview, he tells us he accidentally gave her the wrong policy number.

The man in the van also told Valley News Live his insurance has been in contact with Halverson’s. But Halverson's insurance told her it hasn’t yet.

Halverson says she believes this could have been avoided if the police had just shown up to meet her—which they wouldn’t agree to, even on nearby public property.

"I thought Moorhead, 'serve and protect' being on the side of all their police vehicles, they would have at least been able to assist me in getting a report made on my car," Halverson said.

The Moorhead PD is in contact with Halverson—but more than a week later, tell us there's still no police report.

The police wouldn’t offer an official comment, saying it’s still an open investigation. But we’re told according to the state of Minnesota's criteria for collecting data on accidents, they don't have to visit the scene if it's private property and there are no injuries. Police say they’re in contact with Halverson.

But Halverson says police keep changing the deadline they’re giving the man to come up with the insurance—and they’re giving her the runaround.

"They told me that I might just be out if he doesn't have insurance...I'm just worried by the fact that it's not gonna get taken care of," she said.

If that’s the case, police tell Halverson she may have to take the issue to small claims court—or else pay the hefty bill.