Question
Can someone file a hit-and-run claim if we never exchanged information?
I was driving down a tight residential street this morning. not fast but regular 25 or so. A car was coming the opposite direction. We clipped mirrors it seemed. I did stop pretty quickly and got out of my car to survey. Only thing I saw was that my mirror was broke. it had been dented before due to hitting a pole at my apartment complex. The only thing is that I did not see the other driver get out of their car. There were a few more cars going in that direction so I could not tell. I waited a minute to see if any car turned around. I just ended up leaving It was not worth me chasing somebody down or reporting since it was very minor and I'm not even sure if their car was damaged. I just don't want them to turn around a file a hit and run for some reason. Don't know if its worth letting local police know just in case the other people called in.
Answer
Sounds like they didn't feel like there was any damage either. Since they did not stop there really isn't much you can do. If the damage does end up being more than you expect and you decide to file a claim, keep in mind it will be an at-fault accident and your deductible will apply. An at-fault accident will impact your rates for up to five years so make sure you weigh the cost before filing a claim. Doesn't sound like the other driver was able to get any of your information but if you wanted to make a police report, it wouldn't hurt but isn't required. Good luck and if you have any other questions, don't hesitate to ask.