call to your insurance company would look like this
"insurance company" hello how may I assist you today
"f150 guy" well I was in an accident with a couple of cars
"insurance company" are you alright sir? how about the other drivers?
"f150 guy" yea welll there werent any other drivers
"insurance company" well we will send an agent out to look at the damage
"insurance guy at scene" ahahahhahahahhahahahahhahaha please give us your first born child along with your house and a leg and 1 arm of your choice then we can look at the cash prices