Car hit mine—stranger left note

[Anonymous]

Anonymous wrote:This happened to us, in DC. We did call the police and filed a report (I think we were actually able to file the report itself online, since the other driver was gone and there wasn't really much point in the police coming out) and then filed a report with our insurance company based on the police report. And it worked the way it was supposed to; our insurance company tracked down the other car's owner and their insurance paid for our car to be fixed.

How did the insurance company prove that the person hit your car?

[Anonymous]

Anonymous wrote:

Anonymous wrote:This happened to us, in DC. We did call the police and filed a report (I think we were actually able to file the report itself online, since the other driver was gone and there wasn't really much point in the police coming out) and then filed a report with our insurance company based on the police report. And it worked the way it was supposed to; our insurance company tracked down the other car's owner and their insurance paid for our car to be fixed.

How did the insurance company prove that the person hit your car?

I don't know (and have wondered that myself). I don't know if they sent a police officer to look for damage on their car, or - what I think is more likely - their insurance company just didn't contest the case, maybe because the person admitted they did it when cornered. I was surprised myself that it worked out so well!

[Anonymous]

Anonymous wrote:

Anonymous wrote:This happened to us, in DC. We did call the police and filed a report (I think we were actually able to file the report itself online, since the other driver was gone and there wasn't really much point in the police coming out) and then filed a report with our insurance company based on the police report. And it worked the way it was supposed to; our insurance company tracked down the other car's owner and their insurance paid for our car to be fixed.

How did the insurance company prove that the person hit your car?

OP here. In my case, the police officer called the driver and he admitted to it.

[Anonymous]

I doubt your rates will go up since you were not at fault here.

And your insurance will likely go after the other person’s insurance to recover your deductible but it is not a guarantee.
If their insurance will not take full responsibility you may just have to pay.