My wife and another lady collided coming out of a parking lot - woman was coming in, wife was going out. The police officer did not cite either of then since it was on private property and he said they were both "crowding the middle". I heard nothing about it until 6months later when I found out my insurance company settles with the other for 3500. I tried to fight it but apparently Ohio is an arbitration state and an arbitrator ruled in their favor. I was like, how did they come to that conclusion without, you know, talking to the people there?