TLDR: Got rear-ended by an uninsured motorist. Should I give out her info to the insurance company?
So I was in Dallas, as I was slowing down to get off the highway I was rear-ended by this lady. We parked and examined the damage, my rear bumper got some scratches and poped off on the right side with a quarter size dent on the side. Her car was already pretty messed up so I couldn't tell what are the new damages.
She told me her insurance just ended and she didn't renew and wish to just cover the cost herself. I said I don't mind as long as you help me fix this (I didn't think it'll cost too much). But I still got her info (plant#, insurance details, phone#, address...)
Came back home and got the estimates from two body shops and ended up costing ~$1200. I phoned her and she said that's a lot, so I told her I have an uninsured motorist coverage so maybe she can just pay for the deductible.
My question is, I know if I put her info into the claim, my insurance company will eventually inform DMV and ask her to pay the repair fee, and raise her premium. (which we try to avoid, or maybe I shouldn't care..).
Or should I file a hit and run, so her info stays out of the system and just let her pay for my deductible? Will this affect my premium?
P.S. (no police report was filed)
Submitted November 06, 2020 at 05:56PM by AsianHank https://ift.tt/2IdD1BB
