Quote:
Originally Posted by GChase
Yes your rates will go up... No way in hell your insurance company will pay for it for free without raising any of your premiums. Since you didn't get the guy's tag, you don't have proof, and technically the guy didn't hit you and you wrecked your own car, you won't have a chance in getting off scot-free. If somehow you got off without your rates going up then everyone would say they got in a hit and run when they hit a guardrail or something.
In my opinion, if it's just the front bumper, I wouldn't go through insurance. We have to see pics though to judge. Just get an awesome mtech bumper or something, thus turning a bad situation into a positive one. Also, there are tons of bumpers either used on here or junkyards that you could get on the cheap instead. Painting is a bit pricy though ($400-600). Good luck!
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oh yeah. you definitely will need the other guy's info of some sort AND a police report.
otherwise it's your fault. lol