The reality of the situation is if you have to contact your own insurance carrier to fix your car, they will ask the details and/or obtain the police report. This will likely result in a finding that you were at fault because of the rear end collision. Luckily for you the police did not arrest you for a DUI. I am not aware of any legal rationale for exonerating you for causing the collision just because he fled the scene. He may, however, have his own problems for leaving the scene. The police could have gone to his home and even arrested him. Did you tell him he was drunk? If so, hopefully they did their job and went after him. As for him filing a claim, your insurance will cover you if he does. If you turn this in to your carrier and they deem you to be at fault, then you may get a 25% increase in your premiums for the next 4 years. You can check with your insurance agent if that is correct. Then you might want to calculate the value of 4 years of extra premiums vs. paying to have your car fixed out of pocket if you can somehow scrape up the money to do that. On the other hand, the fact that you called the police, it may get reported anyway and the insurance company might increase your premiums regardless. Again, check with your insurance agent, but try to do so anonymously as they are technically required to report it to the carrier if you make an inquiry. But if you are asking your agent on behalf of a friend they should be able to give you the information you need.
Answered on Jan 16th, 2011 at 8:58 PM