My son’s car was parked at his girlfriend’s parents house. While backing out of the driveway, her brother clipped my son’s car and caused some damage. Her brother is 20 yrs old and does not have any insurance. I would estimate the damage ~$2-$3K (I have $1K deductible). Do I need to get a police report for this claim? How is the insurance company going to react to this since I know the person and they don’t have insurance?